A few reasons why you need insurance for your photography.

Running your own business is challenging and rewarding, but it’s also time-consuming and stressful, so it’s important to know that while you’re managing the day-to-day and planning for the future, you’re covered for the unexpected too.

Getting insurance as a photographer

When you’re hired for a photo shoot, you’ll work with your clients to carefully plan the key moments that need to be captured. But things don’t always go to plan on the day. Sometimes the images aren’t what the client wanted, logistical problems could get in the way and your equipment could be accidentally damaged or stolen. Photographer insurance provides peace of mind for you and for your clients, whatever happens.

Why insurance matters for photographers

Not being on the same page
Photoshoots occasionally go wrong – as a professional, you’ll go through the plans with your client several times, but there’s always the chance that the results aren’t what they wanted. If it turns out that there’s a misunderstanding or a discrepancy with something you thought was agreed, you might find the client takes legal action against you.

Dealing with the unexpected
As a photographer, it’s highly likely that you spend a lot of time travelling between jobs. You can’t always account for traffic or for being let down by public transport and while that’s the same for any profession, as a photographer, it could mean you end up missing vital moments. If you miss the cake cutting at a client’s wedding, whether it’s your fault or not, they may well make a claim against you.

Lost or stolen equipment
Camera equipment is the most important part of your set-up. If it’s stolen from your car on the way to a location shoot, or it’s damaged in an accident, your entire business is at risk. Photography equipment insurance means we will be there to help with the cost of replacements or repairs.

Key types of insurance for photographers

Professional indemnity insurance
If you provide any kind of professional service, you run the risk of running into misunderstandings with your clients. Protecting your reputation is really important and even if something isn’t your fault, you could still face the hassle of having to fight a compensation claim from an unhappy customer. Putting professional indemnity insurance in place takes away some of the headache of fighting your corner and helps you with your costs too.

Public liability insurance
Unfortunately, accidents happen sometimes, and not just to you. If you’re on location in a public space or a client trips and injures themselves in your studio, you could be facing a compensation claim. You could also be expected to pay for damage to their belongings if they claim that you or someone who works with you was responsible. Photographer insurance provides public liability coverage to protect you if something goes wrong.

Portable equipment insurance
Being a professional photographer requires skill and expertise, but it also involves a lot of expensive, delicate and specialised equipment. If any of your gear is broken or stolen, it’s not just an inconvenience, it may well be that you can’t work without it, which means no income and some disappointed clients. We’ll make sure you’re covered for repairs or replacements and that you get back on track as quickly as possible. Alternatively, you could utilise our famous extension called Increased in cost of working.

You are the photography expert, let us as the insurance experts figure it out for you.

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