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Many professional bodies for photography do require their members to have relevant and sufficient insurance. The British Institute of Professional Photography and the Master Photographers Association require an individual to have public liability insurance and professional indemnity insurance before they can become members.
If you are not a member of a professional body, the right insurance cover is still important to protect your business and make sure that you can keep doing what you love, no matter what.
As many photography careers begin as hobbies, some photographers often forget that their photography business is exactly that – a business that needs protecting. Whether you’re a freelance wedding photographer or run a larger photography business, you will have assets that need protecting in the case of damage, and your close work with third parties and members of the public means that you will have a moral duty to protect your clients as well.
We know that there’s no other job quite like photography, and that’s why we can help you to find specially tailored packages to protect you against the unique risks of your profession.
In photography, liability insurance is a must. Public liability insurance for photographers protects you and your business against legal claims from a client or third party if they are injured or their property is damaged as a result of your business.
We would also strongly advise investing in professional indemnity insurance, which covers you if you failed to provide an adequate service or cost the client money. For example, if you photographed a wedding and then later corrupted the digital copies of the photographs you took, the couple could sue you for failing to deliver the images – and this is where professional indemnity insurance would step in and help to pay for compensation or even legal costs.
Equipment insurance is also an important cover to consider as, for most photographers, their cameras, lenses and accessories are crucial in allowing them to carry out their business. If something were to happen to your equipment, would you be able to carry on with business as usual? If the answer to that question is no, it would definitely be a good idea to make sure that equipment protection is included in your photographer insurance.
As the director of a start-up marketing agency, I’m too busy to spend a lot of time researching all of the insurance policies we need, let alone finding time to search for the best cover. When I spoke with Gareth, he was incredibly helpful. He explained to me exactly what I need and then found the best policies for the business, its directors and employees. Now I know that the business and its assets are protected, whatever happens. I would highly recommend Gareth, Darren and the rest of his team.