Fashion Photography Insurance
We provide unparalleled cover and policy extensions for fashion photographers with expert advice and a personal claims service should the worst happen.
Why use Williamson Carson for your fashion photography insurance?
- Unrivalled cover for photographers and crucial policy extensions that no other UK insurers offer
- All policies are bespoke and personalised to your requirements
- All claims receive a personal claims handler
- Exceptional customer service; instant access to highly trained film and production brokers, no hold music, no call centres and no automated emails
- Association of Photographers Accredited Supplier, trusted supplier to many of the industry’s leading photographic and film organisations
- One of the UK’s longest serving photographic & production brokers, 35 years & counting
elements that can be included in your Fashion PHOTOGRAPHY insurance package
photographic equipment insurance
Cover for damage or theft to your photographic equipment, with an exceptional claims service. Accidental damage included as standard in all policies. Worldwide cover available on all photography equipment.
Unlike other providers we also cover hired equipment in addition. Our policies always include cover the hire fees whilst your equipment is being repaired or replaced.
cover you won’t find elsewhere
As champions of the photography industry, we also include the following complementary cover for free, which you won’t find anywhere else:
- Production Media (£20,000) – reshoot cover, such as memory card corruption
- Cast (£20,000) – reshoot costs if you are unable to attend a shoot due to a medical emergency
- Increased Cost of Working (£250,000)
- 13 weeks hire charges if you need to make a claim
- Miscellaneous Equipment cover (£500)
Public and Employers’ Liability
Liability insurance is crucial for all photographers. Public liability will protect you in cases of bodily injury or property damage associated with an incident involving your business. Employers’ liability will protect you from legal costs should an employee sustain a bodily injury in the course of their employment. Remember assistants, runners and models can all be deemed employees in the eyes of the law.
Professional Indemnity
Professional indemnity covers you for mistakes, or allegations that you’ve made a mistake. Any old professional indemnity will NOT do. Our policies are tailored to cover the unique risks faced by professionals in the media industry.
frequently asked questions
We’ve put together some frequently asked questions regarding fashion photography insurance. We hope it’s useful.
Photography
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.
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.
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
All Risks Insurance is fully comprehensive cover which includes loss, accidental damage and theft. Read more about All risks insurance here.
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.
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.
All our quotes are personalised, and the premium is typically linked to the value of equipment that you need insured. The higher the values, the higher the premium is likely to be.
Our packaged photography policies which cover equipment, public liability and employers’ liability start at as little as £245 plus Insurance Premium Tax annually. The policy also includes production insurance extensions unique to Williamson Carson and not available elsewhere.
You can pay in full, by two instalments or by direct debit. Please note, if you want to pay by direct debit, the finance providers will charge which is why we encourage clients to pay in full or two instalments. Should you prefer to pay by direct debit we will fully explain the charges when you take the finance.
Yes, you can make changes by either calling the office or sending an email. We do not charge administration fees. However, an increase in cover may result in an additional premium due.
We do not charge Administration fees. However, an increase in cover may result in an additional premium due.
Theft from unattended vehicles is limited to £5,000 if there is no manufacturer’s approved alarm, this increases to £15,000 if there is an approved alarm installed.
If you need to make a claim please contact the office by telephone 0208 659 5038 or email queries@williamsoncarson.co.uk . You will always be allocated a personal claims handler.
Please note the standard excess for equipment claims is £200, or £500 for theft from vehicles.
The standard excess is £200, or £500 for theft from vehicles.
You can pay in full, by two instalments or by Direct Debit.
Yes, typically the finance providers will charge for direct debit, which is why we encourage clients to pay in full or two instalments. Should you prefer to pay by direct debit we will fully explain the charges when you take the finance.
Providing you have been transparent with us, and declared all previous claims, it will not affect your policy with us.
We can cover drones for theft. However, the policy will not cover your drones in flight or any aviation liability. We are working on a solution so watch this space.
Yes, just let us know the details of your photography studio and we can provide a suitable solution.
We have partnered with a number of very high-quality insurers, their details will be shared on all quotes.
