Insurance For Photographer & Videographer
Insurance For Photographer & Videographer
Why it matters
Activities that a photographer engages in that can be covered by Public Liability Insurance if something goes wrong and someone is injured:
- Taking photographs
- Meeting with clients
- Searching new locations for photo shoots
- Setting up lighting and other equipment
- Networking with other photographers and other professionals
Having adequate insurance coverage will protect your business from the financial burden if something was to go wrong during the course of your day to day business activities.
What Does Public Liability Insurance Cover?
Public Liability Insurance is an insurance policy that can protect photographers from claims brought against them for personal/bodily injury, or damage to third party property.
Public Liability Insurance covers third party property damage that you cause whilst doing your photography work. It can cover the costs to repair, or replace the damaged equipment.
Examples of property damage could be:
Damage to studio equipment; Damage to rented camera equipment; Damage to your clients furniture
Public Liability Insurance covers you for the legal and defence costs associated with personal injury claims. For example, a client may trip or fall over your camera equipment; or props. This could result in a physical injury to your client in which they are seeking financial compensastion and reimbursement of out of pocket expenses.
Is Insurance Mandatory for a Photographer?
Public Liability Insurance for a Photographer is not mandatory, however, if you are doing work on a commercial site (for example, a wedding venue or hotel) they may request a copy of your Public Liability Certificate of Currency before you enter the site.
Workers Compensation is mandatory for businesses that employee staff.
How Morgan Insurance Brokers can help
Morgan Insurance Brokers have access to a large panel of insurance providers for your photography business. This ensures that you are receiving market leading coverage; price and comprehensive cover major considerations.
We will guide you through the process and make obtaining insurance as easy as possible. Contact us today.
