Public Liability Insurance Photographers Have To Have

By Author: Gareth Hoyle
Total Articles: 675
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Years ago photographers did not need much in the way of insurance just enough to cover the loss of their equipment and that was it. Now there are several forms of insurance photographers have to have to protect themselves from very costly court cases. An example of this is public liability insurance.

Years ago if a photographer caused an injury to a member of the public that person's injury would have been treated and that would have been the end of the matter in most cases. In today's compensation crazy world, the photographer is likely to be sued. This is the main reason that public liability insurance has become an essential component of any photography insurance policy. It may be as simple as someone tripping over your tripod or you accidentally backing into someone when trying to get a shot. The cause of the accident does not matter today you are likely to be sued by the injured party.

Good public liability insurance also covers the cost of repairs to any property a photographer may damage in the course of carrying out their work.

Other Insurance Photographers Should Consider

There are several ...
... other kinds of insurance photographers may need including public indemnity insurance, commercial legal expenses and internet and e-mail liability insurance. There are others, such as personal injury, employee liability and business interruption insurance, but these are the three main ones that are more or less unique to photographers.

Of those professional indemnity is the most important additional insurance photographers need to take out. If you are the photographer for a major event and the resultant photographs are not to your client's taste you can find yourself in court being sued for breach of contract and in some circumstances with your client trying to get you to pay for some of the cost of hosting the event. The legal fees alone are substantial, but should you lose you can go bankrupt paying the compensation. For this reason if you cover any expensive event, including weddings, you really need to take out professional indemnity cover.

In Focus Insurance provide the insurance photographers want and need. They offer a bespoke policy service, so you get the insurance you need without it costing the earth.