Photography Insurance Is Not Complicated

By Author: Gareth Hoyle
Total Articles: 691
Comment this article

If you have never brought it before buying photography insurance can be a bit daunting. To the new photographer or the layman a photography insurance policy can seem pretty complicated. This is because specialist photography insurance is really designed with professional photographers in mind, which means that some policies include elements of business insurance policies such as public liability insurance and professional indemnity insurance. However, once you understand each element a photography insurance policy is not complicated.

Understanding Photography Insurance

One of the key elements of any photography insurance is coverage for your photography equipment. Most policies cover you for theft, loss and damage caused by an accident.

Public liability insurance is the part of a photography insurance policy that covers a photographer against the cost of damages should they injure someone whilst they are working.

Professional indemnity insurance ensures that should a photo taken by a photographer later be used unfairly to defame a person or besmirch their good name the photographer is protected to ...
... some extent from the costs of any resulting lawsuit. Some policies also include special internet and e-mail liability insurance that is similar to indemnity insurance, but is targeted at images that are brought, sold and distributed electronically.

Because most photographers are self employed a lot of photography insurance policies offer personal injury cover. In a similar vein they also often include loss of business cover, so that should you have a fire or have your equipment stolen and miss out on business as a result you will get some revenue from your insurance policy until you can get your business going again.

Searching For Photography Insurance

Searching for photography insurance is easy on-line simply typing in the search term ‘photography insurance’ will give you lots of options. If you want a specific type of photography insurance just change the search term to include that specific kind of insurance e.g. ‘photography insurance +professional indemnity’.

Look first at firms who specialise in photography insurance they provide good explanations of what is included in their policies and often offer the best value for money.

In Focus Insurance offer a wide range of photography insurance policies at great prices and have flexible policies designed to be tailored to meet every photographer’s needs.