PUBLIC LIABILITY FOR PHOTOGRAPHERS
What is Public Liability insurance?
Whether you're roaming the countryside capturing incredible landscapes, or set up in the studio taking family portraits, there is always the possibility that something could go wrong. It's unfortunate and no photographer wants it to happen to them. However, you can put measures in place to help once the damage has been done.
It's hard to predict the unpredictable, so why take a chance? By taking out Public Liability insurance with us today, you can make sure that you're covered against the kind of risks that can arise when out in public.
Why is Public Liability insurance important?
If you're out working or whether you're taking pictures in your spare time, the last thing you want is for something to go wrong. Unfortunately, when you're out in public there's always a chance that something will. If someone was to fall over one of your tripods or you were to accidentally drop your bag and damage someone's belongings, then you could be liable for compensation costs.
Public Liability insurance aims to help protect you against the potential fall-out from legal claims of injury or property damage made by third parties. So, if a member of the public was to hurt themselves as an indirect result of your photography or filming activity, then we automatically provide up to £1million to protect you against the legal costs from liability claims as standard and you can extend your cover to include up to £10million in liability costs.
What does Public Liability insurance cover me for?
If you're planning on using your camera and gear in public, you'll want to know that you can shoot without any worry about what might go wrong. Our cover options will cover potentially extensive legal costs that are a result of legal action being taken against you for photography or filming related incidents where there is a third party injury or property damage. Cover does not apply in North America.
We have the following options when it comes to Public Liability:
Public Liability cover with cover for your kit and equipment: You will receive £1million of Public Liability cover as standard, along with £10,000 Personal Accident cover when you insure any equipment. You can also choose to extend your Public Liability cover to £5million or £10million and then, at no extra cost, include up to four photography assistants who work alongside you.
Public Liability only: You can choose to take £5million or £10million Public Liability as a standalone policy, without insuring any of your equipment if you prefer. Again, this option allows you to include up to four photography assistants who work alongside you.
It's also important to understand that our Public Liability and Personal Accident cover does not cover:
- Any liability or accident caused as a result of your use of, or ownership of, a drone/UAV.
- Any liability or accident where the incident has arisen or is being held liable in North America.
- Any liability or accident that has not been caused through your use or ownership of photography or filming equipment.