From wildlife to weddings, being a photographer, you will take pride in capturing the perfect picture. Every photography business will be different, which is why you need a perfect level of protection to meet your unique needs.
CraftCover’s flexible UK photography insurance lets you tailor your cover to suit all of your specific requirements.
What type of insurance do you need for a photography business?
You may think that being a photographer means you don’t need insurance, however, some types of insurance is a must for all businesses.
The main type of insurance you will require is Public Liability Insurance, which covers the cost of claims made against you by members of the public for incidents that may arise from your business’s activities.
Public liability insurance for photographers
By taking out Public Liability Insurance, you cover yourself against your legal liability for the cost of compensation for any damage or injury caused.
For example, say you’re photographing an event and someone trips over your camera cables, Public Liability Insurance will cover any costs you may incur as a result of the accident, including legal fees.
Some of the main risks covered by this insurance includes:
- Injuries to members of the public
- Death or disablement to the public
- Loss of or damage to third party property
Do I need insurance as a photographer?
Many photographers believe that they don’t actually need insurance as they aren’t a big enough business or simply just work freelance. However, no matter the size of the business, you should always have an insurance policy in place to cover your business if something were to happen.
With CraftCovers photography insurance, the claims made against your business would be covered in the policy, ensuring you have professional indemnity.
How much does photography insurance cost?
The cost of photography insurance is based on a variety of factors, including:
- Where you work;
- How many people work for your business;
- Your claims history;
- How much cover you require.
Our friendly and professional team are always happy to help you find the best cover for your business needs. Get in touch with us today to discuss your photography business requirements.
Do photographers need insurance for events?
Yes, having insurance in place for events is vital. If someone trips over your equipment or you damage the property at the venue, you could face expensive claims against you for damage and legal costs.
You may want to insure your own equipment too, in case of any accidents. You can discuss this with one of our friendly team members, who will be able to get the right level of cover depending on the overall costs of your equipment.
Do wedding photographers need public liability insurance?
Yes, wedding photographers should get public liability insurance.
As you’ll be working with a large group of the public, anything could happen by accident, such as a trip over wire or equipment bags, or even damage to the wedding venue.
Remember, if a claim is put against you and you don’t have the correct insurance in place, you could face expensive legal costs.
Why do photographers need insurance?
Photography is a creative business and you’ll often be working with expensive equipment, as well potentially carrying out work in unusual locations.
If someone is injured or property is damaged as a result of your equipment whilst on a shoot, you could be liable and would have to pay the expensive legal costs.
Photography business insurance with CraftCover
If you want the best level of cover at the most competitive price point for your photography business, CraftCover is the right place for you. We take the time to understand your specific business requirements in order to arrange the best photography policy for you.
We can discuss what you need and for how long, ensuring that you always have the right amount of protection to allow your business to grow!
Get your free quote online today, or alternatively speak to one of our expert team members to discuss your photography business policy.