We provide expert advice on why professional photographers cannot afford to ignore professional indemnity insurance.
What is Professional Indemnity insurance?
Professional Indemnity insurance protects you and your business against claims relating to your professional conduct. These are usually mistakes within your control.
In the photography industry, instances of professional negligence might include;
- Unintentional breaches of intellectual property or copyright
- Loss of confidential data or documents belonging to a client
- Giving poor advice or guidance to a client
- A client being unhappy with your work, or work not fulfilling a brief
- Losing photos from a shoot and subsequently facing reshoot costs or legal action to seek compensation
Why is Professional Indemnity cover important?
We all make mistakes, but some mistakes have bigger repercussions than others and end up costing you and your business thousands. Professional Indemnity insurance covers your legal costs in defending a claim, plus any compensation or costs that may be awarded.
It’s important to note that Professional Indemnity insurance also protects you from instances of historic negligence. This means that even if you aren’t working currently, if you face a claim for past work you’ll still be covered providing you continue to purchase professional indemnity insurance.
Who needs it?
Any professional who gives advice or provides a service as part of their business requires professional indemnity cover.
How we can help
We pride ourselves on providing bespoke cover and expert advice at affordable prices. If you’d like to discuss how we can protect you and your business please get in touch, we would love to talk about your options.
