Being a photographer is an exciting and creative occupation, but with that comes some responsibility for your paying customers and any employees you work with. Getting the right level of insurance may not be at the top of your priority list but it’s essential that you’re covered for all eventualities.
By fully researching the cover you need, you can help make sure you don’t end up paying for cover that's unnecessary. There's a range of policies on offer that can be tailored to your specific insurance needs. It's likely that your policy will combine public liability insurance and possibly employers’ liability insurance (if you employ staff to work for you - such as a photographer's assistant) and other optional extras - like equipment cover for your expensive cameras and lighting.
All you need to do now is:
1. Complete our simple online form
2. Browse the quotes from our handpicked insurers
3. Choose the policy that suits your business needs
4. Pay securely online
And that’s it! Once you’re covered you’ll receive your documents instantly via email so you can get on with the important stuff.
Why do I need liability insurance?
If a member of the public is injured as a result of your work then public liability insurance could help cover any costs associated with a claim for damages. If you don’t have this, your business finances and reputation could be badly affected.
If you hire contractors or have one or more employees on your books then you'll need employers’ liability insurance. This is normally a legal requirement and you could be fined if you don’t have it. It’s there to protect you and your staff in case of accident, injury or death and could help cover the cost of a claim from an employee should they be injured at work.
Check before you buy…
• Read the Key Features and Policy Summary documents before you buy to make sure you are happy with the excess payable in the event of a claim and any exclusions.
• Make sure you have included or excluded any optional extras, such as equipment cover.
Get a quote now or read more in our business insurance guides.