Photographers Business Insurance in a flash…

We believe your business is too important not to have the right guidance when arranging your insurance.  Speak to a member of our team today to see what we can offer.

“Policy Portfolio” is our specialist Photographers Insurance package tailored to suit the needs of Professional Photographers across the UK.

Product Overview

With over 24 years’ experience in the Photographic industry, we understand the unique requirements you face, and provide the highest standard in service and cover. There are a variety of risks associated with your industry which have been considered carefully when developing the ‘Policy Portfolio ’ package. We are committed to providing you with the peace of mind so you can work without worry, at a competitive price achieved without exposing you with reduced cover.

“Policy Portfolio ” Photographers Insurance at a glance

Photographic Equipment and Trade Contents
Cover will include your Photographic Equipment and Business Contents including stock against a wide range of perils, including Accidental Damage and Full Theft (unforced entry/distraction), which is not always included within online policies.  Your Photographic Equipment can also be covered away from your premises, including losses from unattended vehicles during your working day.

Business Interruption – Increased Cost of Working
Following damage to your equipment or premises from an insured event you will be covered for increased cost of working as standard.  This will include the hiring of replacement equipment, or even the hiring of studio space to fulfil a contract whilst your claim is settled.

Employers Liability
If you employ any staff it is a legal requirement to have Employers Liability policy in place.  If a member of staff is injured while working this will assist you in meeting any compensation they may be entitled to.

Public and Products Liability
Accidents happen and people make mistakes.  If someone is injured or their property is damaged, as a result of your business activities, they can claim compensation if you are found to be at fault.

Professional Indemnity
Defending you against claims and any damages that may be payable if you fail to fulfil a contract as a result on an alleged error, omission or neglect.

Legal Expenses
We will be provide you with Legal Defence costs for legal action taken against you, including Employment Disputes, Tax and VAT disputes and more. With Employment Law and legislation changing every few months it can sometimes be difficult to keep up with the impact this has on your procedures.  As well as the cover itself you will have access to a 24 hour legal advice line to assist you with all of your business needs and ensure you can take the steps needed to protect yourself and your staff.

There are many more benefits that can be found within the Policy Portfolio Policy Summary.  One of our experts will be happy to assist you with your Photographers Insurance needs.

Below is a brief summary of the cover provided as standard, for full details please refer to the Policy Summary: 

• “All Risk” cover including full theft and accidental damage
• Worldwide cover
• Theft from unattended vehicle
• Reshoot Costs
• Increased cost of working up to £25,000
• Public Liability up to £5,000,000
• Employers Liability up to £10,000,000
• Professional Indemnity
• Comprehensive money cover
• Employee dishonesty
• Computer breakdown
• Legal expenses – including employment disputes and compensation awards as well as tax and vat enquiries
• 24-hour legal advice help line
• 24-hour claims line, 365 days a year
• Monthly instalments available
• 14 day money back guarantee if you are not completely satisfied

Optional

• Buildings Insurance
• Property Owners Legal Liability