This relates to equipment you have hired.
In the event of a claim, a supplier would expect their loss of earnings to be reimbursed.
In addition, our policies will allow you to rent equipment whilst your own equipment is being repaired or replaced.
Public liability will protect you in cases of bodily injury or property damage associated with an incident involving your business.
Professional indemnity covers you for allegations of mistakes and negligence.
Your policy should include important extensions tailored to creative professionals, such a breach of infringement of intellectual property rights including copyright infringement, or misappropriation of musical compositions, graphic material, or artwork.
Yes, we always recommend you get professional indemnity.
We are seeing an increase in claims relating to copyright and intellectual property. It’s very easy for a third party to bring an allegation of negligence or breach of intellectual property, even if the grounds for doing so are unfounded.
Employers’ liability will protect you from legal costs should an employee sustain a bodily injury in the course of their employment.
Yes, if you have any employees, it is compulsory in the UK to have employers’ liability.
We know the creative industries are unique because of the prevalence of freelancers. Even if you employ an extra pair of hands for a short period of time, such as assistants, you should always maintain employers’ liability.
All our quotes are personalised, and the premium is typically linked to the size of the business and your precise business activities. We find that in most cases, our policies are incredibly competitive.
Our packaged photography policies, which cover equipment, public liability and employers’ liability start at as little as £245, plus Insurance Premium Tax, annually.
Our policies also include production insurance extensions unique to Williamson Carson and not available elsewhere.
No, we don’t charge administration fees.
However, an increase in cover may result in an additional premium due.
Theft from unattended vehicles is limited to £5,000 if there is no manufacturer’s approved alarm.
This increases to £15,000 if there is an approved alarm installed.
