Photographers` Insurance

The cost of photography insurance can be extremely varied and there are no one-size-fits-all answers. Insurers will take into account a variety of factors, looking at the risks and the level of cover that you want in order to decide on the cost of the policy. You may find it’s worth paying a little more to get advice and support.

Several aspects will be taken into account to calculate your premium including

• Level of risk
• If you’re a professional or amateur photographer
• The cost of your equipment
• What level of cover you take out

Yes, if the items cannot be repaired. The policy will replace items that are lost, damaged or stolen with brand new items. If we have agreed to insure your items for a second hand replacement however, a claim would cover second hand replacement. Subject to the amount for which you have insured.

Theft and accidental loss of, or damage to, your equipment is covered.

You can extend cover on your equipment whilst away from your premises to any territory worldwide (except where the UK Foreign Office advises against all but essential travel, and specifically excluded countries). By designing your cover in this way you can keep your premium cost down by not having to insure all items away from your premises all of the time if you do not need such a wide scope of cover.

No, we only arrange annual insurance policies.

Yes, we will discuss with you at the time the best way to do that from a number of options. Hired equipment is not covered by your policy unless it is specifically shown as insured on your policy schedule.

It depends on the type of policy you have with us. Some ask that you send an equipment list for items over a certain value (which could differ dependent upon the underwriter), whilst others have no requirement for a list. We will tell you if your policy requires a list.

Yes, but it depends upon the type of policy as to the amount of cover and the terms and conditions applicable including cover for items left in your vehicle when you’ve finished working or overnight. We will tell you the extent of cover and the terms applying to this.

Public liability covers any liability you may face for causing an accident to a member of the public.

Employers’ liability covers liability for injury or illness to an employee that they have sustained as a result of their employment with you. In most situations it is a legal requirement that you hold employers’ liability insurance if you employ anyone.

Professional indemnity covers your failure to produce work to a professional standard for which you are held legally responsible.

Yes, subject to status the premium may be paid in instalments by direct debit.