Question 1

Do I need professional indemnity?

Accepted Answer

Yes, we always recommend you get professional indemnity.

Claims relating to copyright and intellectual property are rising and it’s easy for a third party to make an allegation of negligence or breach of intellectual property, even if the grounds are unfounded.

Professional indemnity covers your legal defence costs.

Recent changes to section 52 of the Copyright, Designs and Patents Act have made libraries more responsible for ensuring all items and props in an image are not subject to copyright and do not require clearance.

Question 2

What insurance do BAPLA members need?

Accepted Answer

We advise that all BAPLA members and professionals working in this industry have professional indemnity insurance, which offers vital protection when you hold large collections of images for which clearances might be required.

If you have any employees, it is compulsory in the UK to have employers’ liability. Even if you employ an extra pair of hands for a short period of time, such as assistants, you should always maintain employers’ liability.

Typically, we also suggest you consider cyber insurance to protect from hacker attacks, and if you have an office, you’ll probably need to insure your spaces and equipment too.

Question 3

Do BAPLA members need insurance?

Accepted Answer

Yes, because sometimes things go wrong.

Claims can result from anything from a cyber-attack compromising a library’s database to allegations that clearances weren’t obtained for models or designer items used in photos.

Question 4

What insurance do Animators need?

Accepted Answer

As a minimum, we would always suggest that an animator has professional indemnity insurance.

Whilst your illustrations are yours and your IP, if you are selling those commercially, there is to nothing stop an unfounded allegation that you have copied someone else’s IP. In addition, if you visit a client’s premises it would be sensible to have public liability. If you have employees, you must have employers’ liability. We can also insure your equipment such as MacBooks, laptops and tablets.

Question 5

What insurance do Graphic Designers need?

Accepted Answer

As a minimum, we would always suggest that a graphic designer has professional indemnity insurance.

Whilst your illustrations are yours and your IP, if you are selling those commercially, there is to nothing stop an unfounded allegation that you have copied someone else’s IP. In addition, if you visit a client’s premises it would be sensible to have public liability. If you have employees, you must have employers’ liability. We can also insure your equipment such as MacBooks, laptops and tablets.

Question 6

What insurance do Illustrators need?

Accepted Answer

As a minimum, we would always suggest that an illustrator has professional indemnity insurance.

Whilst your illustrations are yours and your IP, if you are selling those commercially, there is to nothing to stop an unfounded allegation that you have copied someone else’s IP. In addition, if you visit a client’s premises it would be sensible to have public liability. If you have employees, you must have employers’ liability. We can also insure your equipment such as MacBook’s, laptops and tablets.

Question 7

Do you offer discount for AOI members?

Accepted Answer

Yes, these discounts are already applied to the packages shown.

Question 8

What is professional indemnity?

Accepted Answer

A professional indemnity policy is designed to protect against any errors & omissions that may be made and includes extensions that are very important for creative professionals. These include breaches of infringement of intellectual property rights including copyright infringement, or any misappropriation of musical compositions, graphic material, or artwork.

Question 9

Do I need professional indemnity?

Accepted Answer

We would always recommend professional indemnity. We are seeing an increase in claims relating to copyright and intellectual property. It’s very easy for a third party to bring an allegation of negligence or breach of intellectual property, even if the grounds for doing so are unfounded. Professional indemnity would provide a legal defence in such instances.

Question 10

The cover I need isn’t shown in the packages

Accepted Answer

We can personalise quotes to suit your needs. Please contact the office 0208 659 5038 or email queries@williamsoncarson.co.uk and we will be able to help you with a quote.

Question 11

What insurance do camera operators need?

Accepted Answer

In our opinion, as a minimum photographers should consider;

 	Equipment insurance
 	Liability (usually both public and employers’ liability)
 	Professional indemnity

In reality, our equipment policies provide far more than basic equipment cover. They also include a number of complementary covers exclusive to Williamson Carson which are detailed on all quotes we prepare.

Question 12

What insurance do camera operators need?

Accepted Answer

As a minimum, any camera operator will require camera insurance. Professionals and semi-professionals also require professional indemnity and public liability insurance. Let us help you get the right cover for your needs.

Question 13

Do camera operators need insurance?

Accepted Answer

Things go wrong, that’s life. Dropping a lens, spilling a cup of hot coffee, a slip, a trip or an unhappy client. We can never be sure what is around the corner. In most cases a comprehensive photography insurance policy is not going to break the bank, and can save you a lot of time, stress and money in the long run if things do go pear shaped.

Plus, any camera operator who takes their business seriously should have a professional photography insurance policy. It won’t be long before a client asks to see your insurance, and you could look a little unprofessional without it.

As the appointed broker to the AOP (Association of Photographers) we know they expect all their members to have adequate insurance in place.

Question 14

What insurance do photographic agents need?

Accepted Answer

A very good question. It really depends. . . .

It depends on whether your agency is solely responsible for supply of a photographer/artist or whether your responsibilities go beyond supply and extend to cover the organisation of a shoots from top to bottom.

Nowadays, we tend to see a lot of agencies whose responsibilities go beyond supply only. Many of the questions below relate to those sorts of agencies, where a broader production insurance is likely to be relevant. If we are supply only, we can still assist, but your requirements will be different,

Question 15

What insurance do photographic agencies need?

Accepted Answer

A very good question. It really depends. . . .

It depends on whether your agency is solely responsible for supply of a photographer/artist or whether your responsibilities go beyond supply and extend to cover the organisation of a shoots from top to bottom.

Nowadays, we tend to see a lot of agencies whose responsibilities go beyond supply only. Many of the questions below relate to those sorts of agencies, where a broader production insurance is likely to be relevant. If we are supply only, we can still assist, but your requirements will be different,

Question 16

Does the insurance cover my artists/photographers too?

Accepted Answer

Again, it depends. . . .

Most photographers and artists are self-employed individuals and therefore should typically have their own insurances, such as equipment insurance and public liability. If, however, you directly employ artists and photographers, then typically they would be covered under your insurances.

This can be quite complicated and we are here to help!

For example, if your agency is supply only. You simply supply an artist who is self-employed, and do not attend the shoot. That artist is not under your direction or supervision, so it would be difficult for you to be held responsible for anything that goes wrong, and arguably that self-employed individual should have their own insurances.

On the other hand, if you are running a shoot from top to bottom, then most individuals on the shoot will be under your direction and supervision. In that case if something is damaged or someone is injured, it’s likely you will be responsible and the buck will stop with you

Question 17

What insurance do photographic libraries need?

Accepted Answer

As a minimum, we would always suggest that a photographic library has professional indemnity insurance.

When a photographic library holds such a huge collection of images, it’s incredibly difficult to ever be 100% sure on the origin, authenticity and clearances obtained for any image. Unless one person has personally taken all images, which is not the case for most large libraries which have hundreds of contributors.

If a photographic library has employees, it also crucial that you have liability insurance to comply with the law. More often than not, libraries are also considering cyber insurance to protect from hacker attacks on their database and collection. In addition, if you have an office you may wish to insure the office, computers laptops etc.

Question 18

What insurance do image libraries need?

Accepted Answer

As a minimum, we would always suggest that an image library has professional indemnity insurance.

When a library holds such a huge collection of images, it’s incredibly difficult to ever be 100% sure on the origin, authenticity and clearances obtained for any image. Unless one person has personally taken all images, which is not the case for most large libraries which have hundreds of contributors.

If a library has employees, it also crucial that you have liability insurance to comply with the law. More often than not, libraries are also considering cyber insurance to protect from hacker attacks on their database and collection. In addition, if you have an office you may wish to insure the office, computers laptops etc.

Question 19

What insurance do film libraries need?

Accepted Answer

As a minimum, we would always suggest that a film library has professional indemnity insurance.

When a film library holds such a huge collection of footage, it’s incredibly difficult to ever be 100% sure on the origin, authenticity and clearances obtained for any clip. Unless one person has personally created all the footage, which is not the case for most large film libraries which have hundreds of contributors.

If a film library has employees, it also crucial that you have liability insurance to comply with the law. More often than not, libraries are also considering cyber insurance to protect from hacker attacks on their database and collection. In addition, if you have an office you may wish to insure the office, computers laptops etc.

Question 20

Do photographic libraries need insurance?

Accepted Answer

Things go wrong, that’s life.

We have seen some quirky claims against libraires in the last few years. Some practical examples -

 	Allegations a prop in photograph was an antique designer item, that required clearance from the designer’s estate.
 	Allegations clearances were not obtained on a model in a photograph.
 	A cyber attack on a library which compromised their database.

Question 21

Do image libraries need insurance?

Accepted Answer

Things go wrong, that’s life.

We have seen some quirky claims against libraires in the last few years. Some practical examples -

 	Allegations a prop in photograph was an antique designer item, that required clearance from the designer’s estate.
 	Allegations clearances were not obtained on a model in a photograph.
 	A cyber attack on a library which compromised their database.

Question 22

Do film libraries need insurance?

Accepted Answer

Things go wrong, that’s life.

We have seen some quirky claims against film libraires in the last few years. Some practical examples -

 	Allegations a prop was an antique designer item, that required clearance from the designer’s estate.
 	Allegations clearances were not obtained on a model.
 	A cyber attack on a library which compromised their database.

Question 23

Do stylists need insurance?

Accepted Answer

Things go wrong, that’s life. Dropping a lens, spilling a cup of hot coffee, a slip, a trip or an unhappy client. We can never be sure what is around the corner. In most cases a comprehensive stylists insurance policy is not going to break the bank, and can save you a lot of time, stress and money in the long run if things do go pear shaped.

Plus, any stylist who takes their business seriously should have a professional stylist insurance policy. It won’t be long before a client asks to see your insurance, and you could look a little unprofessional without it.

As the appointed broker to the AOP (Association of Photographers) we know they expect all their members to have adequate insurance in place.

Question 24

What insurance do photographic studios need?

Accepted Answer

In our opinion as an absolute minimum studios should consider;

 	Equipment and camera insurance
 	Buildings insurance (if you own the studio outright)
 	Tenants improvements (if you lease the building, but have invested in improvements to the premises)
 	Liability (usually both public and employers’ liability). Crucial if you rent or sublet the studio. And equally important if third parties enter the studio for shoots.
 	Professional indemnity

In reality our photographic studio policies provide far more than basic insurance. They also include a number of complementary covers exclusive to Williamson Carson which are detailed on all quotes we prepare.

Let us help you get the right cover for your needs.

Question 25

Can you cover cars on public roads?

Accepted Answer

No, our vehicle extensions are intended to cover damage to vehicles as props whilst being work on, off road or within the confines of a studio. Any cars being driven on public roads must that car insurance, which is prescribed under the Road Traffic Road. The vehicles must show as insured on the Motor Insurance Database. The intention of our policy is to cover damage to the vehicles on set or off road (off public roads) when being used on a prop.

Question 26

What is unique about our vehicle photography insurance?

Accepted Answer

Ability to provide off road cover for vehicles used as props on set. Including the unique ability to add collision insurance for vehicles, and motor action vehicle insurance.

Question 27

What insurance do stylist need?

Accepted Answer

As a minimum, any stylists will require public liability when working on set. We would also usually suggest professional indemnity too. Stylists can and have been caught in legal battles, if they have styled a set incorrectly, or used a prop without clearance on its usage.  There was a very serious example of a USA brand pointing the finger at a stylist for not checking what was in the background of the set.

You may also want to insure your equipment, such as laptops and tablets (or cameras if you have those too?). And if you have you own props, and wardrobe, we can also insure that those. And finally, hired in props, they can also be added to your package.

Who would have thought there is so much for a stylist to consider!

Question 28

What insurance do stylists need?

Accepted Answer

In our opinion, as a minimum stylists should consider;

 	Professional indemnity
 	Liability (usually both public and employers’ liability)
 	Equipment insurance
 	Props & Hired Insurance (if you have your own props or hire props).

Question 29

What insurance do videographers need?

Accepted Answer

Firstly, protect your cameras and equipment. In our opinion as an absolute minimum videographers should consider;

Equipment and camera insurance
Liability (usually both public and employers’ liability)
Professional indemnity

In reality our equipment policies provide far more than basic camera equipment insurance. They also include a number of complementary covers exclusive to Williamson Carson which are detailed on all quotes we prepare.

Let us help you get the right cover for your needs.

Question 30

What insurance do fashion photographers need?

Accepted Answer

Firstly, protect your cameras and equipment. In our opinion as an absolute minimum photographers should consider;

Equipment and camera insurance

Liability (usually both public and employers’ liability)

Professional indemnity

In reality our equipment policies provide far more than basic camera equipment insurance. They also include a number of complementary covers exclusive to Williamson Carson which are detailed on all quotes we prepare.

Let us help you get the right cover for your needs.

Question 31

What insurance do photographers need?

Accepted Answer

Firstly, protect your cameras and equipment. In our opinion as an absolute minimum photographers should consider;

Equipment and camera insurance

Liability (usually both public and employers’ liability)

Professional indemnity

In reality our equipment policies provide far more than basic camera equipment insurance. They also include a number of complementary covers exclusive to Williamson Carson which are detailed on all quotes we prepare.

Let us help you get the right cover for your needs.

Question 32

Do photographic studios need insurance?

Accepted Answer

Things go wrong, that’s life. Dropping a lens, spilling a cup of hot coffee, a slip, a trip or an unhappy client. We can never be sure what is around the corner. In most cases a comprehensive photography insurance policy is not going to break the bank, and can save you a lot of time, stress and money in the long run if things do go pear shaped.

Plus, any photographic studio who takes their business seriously should have a professional photographic studio insurance policy. It won’t be long before a client asks to see your insurance, and you could look a little unprofessional without it.

As the appointed broker to the AOP (Association of Photographers) we know they expect all their members to have adequate insurance in place.

Question 33

Do fashion photographers need insurance?

Accepted Answer

Things go wrong, that’s life. Dropping a lens, spilling a cup of hot coffee, a slip, a trip or an unhappy client. We can never be sure what is around the corner. In most cases a comprehensive photography insurance policy is not going to break the bank, and can save you a lot of time, stress and money in the long run if things do go pear shaped.

Plus, any photographer who takes their business seriously should have a professional photography insurance policy. It won’t be long before a client asks to see your insurance, and you could look a little unprofessional without it.

As the appointed broker to the AOP (Association of Photographers) we know they expect all their members to have adequate insurance in place.

Question 34

Do photographers need insurance?

Accepted Answer

Things go wrong, that’s life. Dropping a lens, spilling a cup of hot coffee, a slip, a trip or an unhappy client. We can never be sure what is around the corner. In most cases a comprehensive photography insurance policy is not going to break the bank, and can save you a lot of time, stress and money in the long run if things do go pear shaped.

Plus, any photographer who takes their business seriously should have a professional photography insurance policy. It won’t be long before a client asks to see your insurance, and you could look a little unprofessional without it.

As the appointed broker to the AOP (Association of Photographers) we know they expect all their members to have adequate insurance in place.

Question 35

Do videographers need insurance?

Accepted Answer

Things go wrong, that’s life. Dropping a lens, spilling a cup of hot coffee, a slip, a trip or an unhappy client. We can never be sure what is around the corner. In most cases a comprehensive videography insurance policy is not going to break the bank, and can save you a lot of time, stress and money in the long run if things do go pear shaped.

Plus, any videographer  who takes their business seriously should have a professional videography insurance policy. It won’t be long before a client asks to see your insurance, and you could look a little unprofessional without it.

As the appointed broker to the AOP (Association of Photographers) we know they expect all their members to have adequate insurance in place.

Question 36

Is my equipment covered as part of my stylist insurance policy?

Accepted Answer

If you have a photography insurance with us then yes, we can insure the following on an all risks basis:

Photographic Technical Equipment

Props, Set, Wardrobe

Office & Studio Contents

Library Stock

Mobile Communication Property

Question 37

Is my equipment covered as part of my videography insurance policy?

Accepted Answer

If you have a photography insurance with us then yes, we can insure the following on an all risks basis:

Photographic Technical Equipment

Props, Set, Wardrobe

Office & Studio Contents

Library Stock

Mobile Communication Property

Question 38

Is my equipment covered as part of my photography insurance policy?

Accepted Answer

If you have a photography insurance with us then yes, we can insure the following on an all risks basis:

Photographic Technical Equipment

Props, Set, Wardrobe

Office & Studio Contents

Library Stock

Mobile Communication Property

Question 39

Is my equipment covered as part of my camera operators insurance policy?

Accepted Answer

If you have a camera operators insurance with us then yes, we can insure the following on an all risks basis:

 	Photographic Technical Equipment
 	Props, Set, Wardrobe
 	Office & Studio Contents
 	Library Stock
 	Mobile Communication Property

Question 40

What is ‘all risks’ insurance?

Accepted Answer

All Risks Insurance is fully comprehensive cover which includes loss, accidental damage and theft. Read more about All risks insurance here.

Question 41

Will the policy cover equipment outside the studio?

Accepted Answer

Yes, we have the ability to cover you worldwide, apart from areas of conflict, and areas with UK and US trade sanctions (e.g. Russia).  If you are travelling to a high risk location it is always advisable to discuss this with your insurer, and always check the wording on your policy.

Please note, in certain circumstances we can restrict a photographic studio policy to ‘premises only’ cover for a reduced premium.

Question 42

Will my equipment be covered for a shoot abroad (stylist)?

Accepted Answer

Our policies cover you worldwide, apart from areas of conflict, and areas with UK and US trade sanctions (e.g. Russia).  If you are travelling to a high risk location it is always advisable to discuss this with your insurer, and always check the wording on your policy.

Please note, in certain circumstances we can restrict a stylist’s policy to ‘premises only’ cover for a reduced premium.

Question 43

Will my equipment be covered for a shoot abroad (videographer)?

Accepted Answer

Our policies cover you worldwide, apart from areas of conflict, and areas with UK and US trade sanctions (e.g. Russia).  If you are travelling to a high risk location it is always advisable to discuss this with your insurer, and always check the wording on your policy.

Please note, in certain circumstances we can restrict a videographer’s policy to ‘premises only’ cover for a reduced premium

Question 44

Will my equipment be covered for a shoot abroad?

Accepted Answer

Our policies cover you worldwide, apart from areas of conflict, and areas with UK and US trade sanctions (e.g. Russia).  If you are travelling to a high risk location it is always advisable to discuss this with your insurer, and always check the wording on your policy.

Please note, in certain circumstances we can restrict a camera operators policy to ‘premises only’ cover for a reduced premium.

Question 45

Will my equipment be covered for a shoot abroad?

Accepted Answer

Our policies cover you worldwide, apart from areas of conflict, and areas with UK and US trade sanctions (e.g. Russia). If you are travelling to a high risk location it is always advisable to discuss this with your insurer, and always check the wording on your policy.

Please note, in certain circumstances we can restrict a photographer’s policy to ‘premises only’ cover for a reduced premium.

Question 46

Will my equipment be covered on a non-work related trip either abroad or in the UK?

Accepted Answer

Yes, our policies cover you for worldwide travel apart from areas of conflict or areas with UK and US trade sanctions, whether that’s a work related trip or a holiday. Read more about working abroad as a photographer here.

Question 47

Some of my equipment is hired, some is borrowed and some is owned by me, will it all be covered?

Accepted Answer

Yes, we can insure hired equipment on the same basis as your own equipment.

Typically, when hiring equipment from a hire company, you are responsible for insuring said equipment. That insurance must include 13 weeks ‘Loss of Hire’ cover, which compensates the hire company for lost income should the equipment be unavailable for hire due to loss or damage whilst in your possession.

Some hire companies may offer their own insurance (although this can be expensive) but the majority don’t so it will be your responsibility to secure insurance.

We advise that you insure any borrowed equipment along with your own owned equipment, particularly if borrowing it for an extended length of time. Read more about insuring hired equipment here.

Question 48

Do I need to provide you with an equipment list?

Accepted Answer

An equipment list is not strictly mandatory but it’s best practice to submit one. Having an up-to-date list in place makes the claim process much, much quicker and smoother for you should the worst happen.

Question 49

What is ‘new for old’ insurance (stylist)?

Accepted Answer

A short but extremely important phase, ‘new for old’ simply means that if your equipment is broken, damaged or stolen, it will be replaced with the latest, state of the art model, even if it’s out of date and obsolete.

The stylist insurance we offer via our photographic insurance scheme provides new for old cover as standard providing the values you have submitted are the new replacement values. You should ensure the values insured are sufficient to cover replacement at today’s prices. Read more about ‘new for old’ insurance here.

Question 50

What is ‘new for old’ insurance (videographer)?

Accepted Answer

A short but extremely important phase, ‘new for old’ simply means that if your equipment is broken, damaged or stolen, it will be replaced with the latest, state of the art model, even if it’s out of date and obsolete.

The videography insurance we offer via our photographic insurance scheme provides new for old cover as standard providing the values you have submitted are the new replacement values. You should ensure the values insured are sufficient to cover replacement at today’s prices. Read more about ‘new for old’ insurance here.

Question 51

What is ‘new for old’ insurance?

Accepted Answer

A short but extremely important phrase, ‘new for old’ simply means that if your equipment is broken, damaged or stolen, it will be replaced with the latest state of the art model, even if it’s out of date and obsolete.

The photographic insurance we offer via our photographic insurance scheme provides new for old cover as standard providing the values you have submitted are the new replacement values. You should ensure the values insured are sufficient to cover replacement at today’s prices. Read more about ‘new for old’ insurance here.

Question 52

What is ‘new for old’ insurance (camera operators and technicians insurance)?

Accepted Answer

A short but extremely important phase, ‘new for old’ simply means that if your equipment is broken, damaged or stolen, it will be replaced with the latest, state of the art model, even if it’s out of date and obsolete.

The camera operators insurance we offer via our photographic insurance scheme provides new for old cover as standard providing the values you have submitted are the new replacement values. You should ensure the values insured are sufficient to cover replacement at today’s prices. Read more about ‘new for old’ insurance here.

Question 53

What is the 13 weeks of hire fees extension?

Accepted Answer

This relates to hired equipment. In the event of a claim, a supplier would expect their loss of earnings to be reimbursed.

In addition our policies will also allow you to rent equipment whilst your own equipment is being repaired or replaced.

Question 54

What is professional indemnity?

Accepted Answer

A professional indemnity policy is designed to protect against any errors & omissions that may be made, and includes extensions that are very important for image libraries. These include infringement of intellectual property rights including copyright infringement, or importantly for image libraries, a breach of licence extension.

Question 55

What is professional indemnity?

Accepted Answer

Professional indemnity covers you for allegations of mistakes and negligence.

It provides compensation to your client (or a third-party) in circumstances where you are liable due to professional negligence, and usually covers associated defence or legal costs.

Professional indemnity for image libraries usually includes extensions covering things like copyright infringement or a breach of licence extension too.

Question 56

What is professional indemnity?

Accepted Answer

A professional indemnity policy is designed to protect against any errors & omissions that may be made, and includes extensions that are very important for image libraries. These include infringement of intellectual property rights including copyright infringement, or importantly for photographic libraries, a breach of licence extension.

Question 57

What is professional indemnity?

Accepted Answer

A professional indemnity policy is designed to protect against any errors & omissions that may be made, and includes extensions that are very important for image libraries. These include infringement of intellectual property rights including copyright infringement, or importantly for film libraries, a breach of licence extension.

Question 58

Do I need professional indemnity?

Accepted Answer

We would always recommend professional indemnity. We are seeing an increase in claims relating to copyright and intellectual property. It’s very easy for a third party to bring an allegation of negligence or breach of intellectual property, even if the grounds for doing so are unfounded. Professional indemnity would provide a legal defence in such instances.

Recent changes to section 52 of the Copyright, Designs and Patents Act (CPDA) has also increased the onus on film libraries to ensure all items and props in an image are not subject to copyright and do not require clearance.

Question 59

Do I need professional indemnity?

Accepted Answer

We would always recommend professional indemnity. We are seeing an increase in claims relating to copyright and intellectual property. It’s very easy for a third party to bring an allegation of negligence or breach of intellectual property, even if the grounds for doing so are unfounded. Professional indemnity would provide a legal defence in such instances.

Recent changes to section 52 of the Copyright, Designs and Patents Act (CPDA) has also increased the onus on photographic libraries to ensure all items and props in an image are not subject to copyright and do not require clearance.

Question 60

Do I need professional indemnity?

Accepted Answer

We would always recommend professional indemnity. We are seeing an increase in claims relating to copyright and intellectual property. It’s very easy for a third party to bring an allegation of negligence or breach of intellectual property, even if the grounds for doing so are unfounded. Professional indemnity would provide a legal defence in such instances.

Recent changes to section 52 of the Copyright, Designs and Patents Act (CPDA) has also increased the onus on libraries to ensure all items and props in an image are not subject to copyright and do not require clearance.

Question 61

What is public liability?

Accepted Answer

Public liability will protect you in cases of bodily injury or property damage associated with an incident involving your business.

Question 62

What is professional indemnity?

Accepted Answer

A professional indemnity policy is designed to protect against any errors & omissions that may be made, and includes extensions that are very important for creative professionals. These include breaches of infringement of intellectual property rights including copyright infringement, or any misappropriation of musical compositions, graphic material, or artwork.

We would always recommend purchasing professional indemnity. We are seeing an increase in claims relating to copyright and intellectual property. It’s very easy for a third party to bring an allegation of negligence or breach of intellectual property, even if the grounds for doing so are unfounded. Professional indemnity would provide a legal defence in such instances.

Question 63

Do I need professional indemnity?

Accepted Answer

We would always recommend professional indemnity. We are seeing an increase in claims relating to copyright and intellectual property. It’s very easy for a third party to bring an allegation of negligence or breach of intellectual property, even if the grounds for doing so are unfounded. Professional indemnity would provide a legal defence in such instances.

Question 64

What is employers’ liability?

Accepted Answer

Employers’ liability will protect you from legal costs should an employee sustain a bodily injury in the course of their employment.

You will need to take out Employers Liability if you have an employee. The creative industry is unique, in terms of the prevalence of freelancers. We are very cautious when it comes to employers’ liability. If you employ an extra pair of hands for a short period of time, such as assistants, we would highly recommend that you always maintain employers’ liability. Freelancers would then be covered in the same ways as employees whilst working under your supervision and control.

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