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Learn More:
- News & Guides
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.
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.
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.
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your equipment is broken, damaged or stolen, it will be replaced with the latest state of the art model, even if it’s out of date and obsolete.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.
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.
Public liability will protect you in cases of bodily injury or property damage associated with an incident involving your business.
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.
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.
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.
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.