Insurance for Photographers is quite big business and is a sector of the insurance market that is growing. The number of professional photographers operating in the UK is about the same as it was a decade ago. However, more and more people are taking up photography as a hobby. Large proportions of those people love their hobby and, in the end, spend quite a bit of money on pursuing it. Whereas a decade ago the majority of insurance for photographers was for professionals now it’s amateur photographers that make up the biggest group taking out this form of insurance.
Insurance for Photographers That All Photographers Need
Amateur and professional photographers alike need to insure their cameras and other equipment. To do this they need to consider two forms of insurance. The first, and most popular, is all risks equipment. This form of insurance covers your equipment for all eventualities including theft, damage and loss. However, for those photographers that only work in the studio it is possible to cover their equipment using specialist contents insurance. Amateur photographers need to ensure that their home contents insurance is adequate to cover the loss of expensive photography equipment from their home.
Public liability insurance is a form of insurance amateurs and professionals also need. These policies insure that should a member of the public be injured or property damaged by you whilst you are taking photographs you will not end up in court or having to pay large medical bills.
The other forms of insurance are more specialist and not all professionals or all amateurs need them all as part of their policy.
Specialist Insurance for Photographers
Because photographs get spread throughout the world in various forms professional photographers, in particular, need to consider taking out internet and e-mail liability insurance. That way should the photos they take be misused they will be covered against any liability claims. Professional indemnity insurance is also needed. Commercial legal expenses and public and product liability insurance are also worth considering for the professional photographer. Most amateurs do not need these forms of specialist insurance for photographers.
In Focus has been providing specialist insurance for photographers for many decades. They keep the cost of their policies low by offering tailored policies to their clients.