Does the insurance cover my artists/photographers too?

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