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Professional Indemnity for Photographers
As a photographer your reputation is critical.
Professional Indemnity covers your mistakes and protects you when clients allege that you haven’t done a good job. You might think it will never happen but it does. A photographers professional indemnity policy will cover anything from the costs of replacing accidentally deleted client photos or re-shoot costs if your shoots were not as required by the client.
What to look for in Professional Indemnity Insurance for photographers?
Importantly professional indemnity provides both:
- compensation to your client, in circumstances where you are liable due to professional negligence, and
- defence costs, to defend you against unjustified allegations
So, why does this help protect your reputation as a photographer? There’s nothing worse than (in the unlikely event something does go wrong) attempting to handle this matter yourself. If you are insured with a reputable insurer, their claims handlers and solicitors are experts in these situations and may be able to make the problem disappear without any fuss. More time for you to do what you love . . photography.
The importance of the right insurer
We won’t make comments on any insurance companies here, but we will advise you that the claims service between the various camera insurers will be different. Do your homework on the insurance company you choose, and don’t be tempted to always opt for the cheapest, you may pay the price at a later date.
In the event your cameras are damaged or stolen you need an insurer who will be able to support you in your time of need. You want an insurance company that will:
- pay your claim quickly
- not look to find any way possible to avoid the claim
- support you, especially as your equipment may be difficult to replace
An insurance company’s willingness to pay your claim quickly is critical. If your camera is damaged this weekend, you probably need a replacement within a week, if not sooner!
What other insurance should photographers consider?
We also offers photographers packages to cover your cameras, photography equipment, studio, public liability and re-shoot costs click here for more details.
We’re experts in photographer insurance
As a partner business of Williamson Carson, insurers to the creative industries, we know the photography and film industry inside out and the associated risks. All our photography and film insurance covers are tailored for the industry and to your unique requirements. Working with specialist insurers, we offer insurance packages with comprehensive protection not available anywhere else. From professional indemnity to all risks insurance for cameras, we can also arrange extensions such as rectification costs cover which will help you rectify any mistakes you may make before your client becomes aware. We also provide specialist insurance protection to industry bodies, including members of the British Association of Picture Libraries and Agencies and the Association of Photographers.
Always personal, always bespoke
As a privately owned broker with a small and dedicated multi-disciplined and experienced team of advisors with expertise in the photography and film sector, we pride ourselves on our exceptional service. Whether you’re getting a quote or making a claim, your insurance will always be handled personally by an expert member of our team.
Packages
The below packages have been designed for photographers with an income of less than £100,000. Click on the package that best suits your needs.
Package 1
£22
monthly
£250,000 Professional Indemnity
£1m Public Liabilty
*All premiums are inclusive of insurance premium tax and apply only if you can comply with the statement of fact.
Package 2
£28
monthly
£1m Professional Indemnity
£1m Public Liabilty
£10m Employers’ Liabilty
*All premiums are inclusive of insurance premium tax and apply only if you can comply with the statement of fact.
Package 3
£35
monthly
£1m Professional Indemnity
£2m Public Liabilty
£10m Employers’ Liabilty
£10,000 Office Contents
*All premiums are inclusive of insurance premium tax and apply only if you can comply with the statement of fact.
Bespoke
£POA
monthly
Need something tailor-made? Just complete the form and we’ll provide a bespoke quote by return.
*All premiums are inclusive of insurance premium tax and apply only if you can comply with the statement of fact.
Our approach
- Highly competitive rates
- A review of your risks and advice on all your insurance requirements
- Bespoke insurance package tailored to your unique requirements
- A member of our expert team will manage all your requirements from start to finish
- Benefit from our multi-disciplined approach, with expertise in the photography and film industry
We insure
- FIlm and photography
- Photographers
- Photography agents
- Photography studios
- Filmmakers
- Directors
- Stills producers
- Production studios
- Picture libraries
- Videographers
- BAPLA members
- AOP members
- Marketing and media
Specialist photography insurance
- Professional indemnity insurance
- Public liability insurance
- Equipment insurance
- Camera insurance
- Kit insurance
- Media liability insurance
- Annual production insurance
- One-off production insurance
- Props, wardrobes and sets insurance
- Cast insurance
- Production media insurance
- Reshoot insurance
- Studio insurance
- Building insurance
- Office and contents insurance
- Rectification costs insurance
Helpful links
Need a camera insurance, public liability and professional indemnity. Click here for comprehensive photography insurance packages
The AOP is the leading organisation protecting and representing the best of professional photographers. Whatever your role in the industry, the AOP can help you develop your business.
www.the-aop.org
The Royal Photographic Society exists to promote photography and image-making and to support photographers in realising their potential, irrespective of their level of knowledge, equipment or skills.
www.rps.org
Digital Camera World provides digital photography tips and techniques, digital camera reviews, photo editing lessons.
www.digitalcameraworld.com
Professional Photographer – The UK’s leading magazine for Professional Photographers the world over. All the latest news, reviews, tips.
www.professionalphotographer.co.uk
Photographers.co.uk – Photographers Directory for photographers based in the U.K.
www.photographers.co.uk
Photography Show – The Photography Show 2016
www.photographyshow.com
Amateur Photographer magazine – featuring photography news, camera reviews, lens reviews, photography forum and
www.amateurphotographer.co.uk
