What does photographer insurance cover?
What photography insurance covers will depend on the exact policies you choose, but generally it will cover you for any accidents caused by you or your employees that result in injuries or damage to property. It can also insure you against claims of negligence and cover your photography equipment for loss, theft, and damage.
Photography insurance usually includes:
- public liability insurance
- professional indemnity insurance
- contents cover
- equipment cover
Whether you need all of these policies, or additional ones, will depend on your business requirements. Often, you can tailor your insurance package to match your specific needs.
What isn’t usually covered by photographer insurance?
You should check exactly what activities will be covered by your photography insurance policy. Many providers will exclude certain high-risk scenarios including:
- aerial photography
- underwater photography
- photography in hazardous locations such as a war zone
If you use a van or car to transport your equipment between shoots, you may also want to check you are fully insured for driving to events. A car or van insurance policy will get you back on the road as soon as possible after an accident and replace any belongings stolen after a break-in.
For example, if you’re driving to and from events using your own vehicle, you will need to be covered by Business Class 1 car insurance. This will likely be a seperate policy taken out with a car insurance provider and not included in your business insurance package.