Recently we got talking to Dom Lister from Eversure about what he calls ‘Camera Unsure-ance’ and how, in all services, the customer needs clarity and confidence in what they are signing themselves up for.
Of course it’s natural that all insurance companies are going to want to push their services forward, but knowledge is power, so the more we can discuss and compare services and support, the more we can make decisions that suit us in the long run. We’ve invited Dominic to share some of the basics of insurance for photographers here, but if you’ve got a more specific question to ask, scroll down, you can contact the Eversure team directly.
This is a sponsored post in collaboration with Eversure.
As an industry, it’s fair to say that insurers have mastered the art of jargon, acronyms and garble. It can be a confusing landscape, insurance, but with any luck we’re going to change this. In an attempt to right some wrongs, we’ll start with the basics and give a brief overview of the most important but, often the more confusing, aspects of insurance for photographers, hoping to give you the best view on insurance, why it’s important and whether it’s right for you.
Public Liability and Professional Indemnity
Whenever we talk to people within the industry, there is still some confusion surrounding the crucial differences between the two. Let’s begin with Public Liability. Essentially, this covers you or your business against compensation claims and legal costs if a third party suffers injury or property damage while on your premises, or while you’re working on their property. Typically, public liability covers compensation payments for third party injury (or even death). So, to put that in a real-world situation; let’s say you’re shooting editorial portraits for a client, on location, and one of your insured studio lights were to fall and injure that person, then Public Liability would cover the costs your liable for.
Professional Indemnity is quite different, in that it covers issues caused by you. If you’re accused of providing an inadequate service in any way, Professional Indemnity may help pay for the costs of defending yourself (as well as compensation to your client to rectify the situation). So, if you’re an events photographer and your photos come out blurred and unusable, then Professional Indemnity will reimburse the clients, and ease the financial burden on yourself that may arise due to action brought on against you by your clients.
Equipment – New for Old Cover
New for Old cover simply means that if your camera or equipment is lost or damaged beyond repair it will be replaced by the new equivalent model. One really good thing about this feature is that even if your camera is several years old and is no longer made, you will usually be able to replace this with a camera with the same specifications (or as close as possible).
Equipment – Accidental Damage and Loss vs. Negligent Damage and Loss
We arrive at a rather large fork in the road of camera insurance. Generally, accidental loss or damage arises from dropping and knocking. There are some exclusions here and they’re mostly hazardous activities, so any cavers, rock climbers, sky divers, bungee jumpers or divers our policies won’t cover you (do check our wording for a few other examples of hazardous activities). You will however, be covered if you’re in a commercial aircraft. What we can’t cover is negligent loss or damage; so if, during transit, your camera and equipment is damaged, but it wasn’t protected in a secure casing then that’s negligent. Similarly, if you were to leave your equipment on public transport, or you left your equipment unattended and weren’t in a position to keep an eye on it and it was stolen, this would be classed as negligent loss and we can’t cover that either. These are often big sticking points for customers, but they’re important to know, as one thing we can’t stress enough, is that you should take the time to learn as much about your policy as possible, it will really help in the long run, and may change the way you look after your equipment.
Equipment – Theft from a Vehicle
Another fairly simple one to understand here, but this point does come with a few caveats. Our policy will cover your camera and equipment if it’s stolen, as long as it was in a secure, hidden and locked part of the car. If it’s in a carry case in a glove box or a locked boot that would be fine. In truth, many insurers won’t cover theft from vehicles as standard, so do check your policy wording, and have a look around to find the best provider for you.
Employer’s Liability Insurance is a legal requirement for most businesses and employers, so it’s a vital aspect to consider for professional photographers. In essence, Employer’s Liability insurance protects you against claims brought on by the actions of your employees. It’s a type of liability insurance but can also offer more general cover for things like injuries, illnesses and disease. For example, if an employee of yours becomes ill due to work that they had undertaken (in particularly challenging conditions), this insurance will protect you against compensation claims by your employee.
We hope that this has helped answer some of the most asked questions about insurance for photographers.
There are other things you may wish to consider when it comes to insurance too, such as taking out insurance to protect your work when it’s in an exhibition, and checking your car insurance policy to make sure you are covered for business use.
Also, you might think your equipment is covered by your household policy, but do check, often if it’s used for business purposes you won’t be covered by home and contents insurance. Don’t leave it too late.
About the Sponsor: Hello, we’re Eversure; an insurance broker specialising in all sorts of different fields including photography and videography, drones, cycling, breakdown and even musical instrument insurance. We’ve been in the business for 10 years now and are continuing to expand and learn about new industries whilst keeping our original goal in the front of our minds which is: Affordable Insurance with Exceptional Customer Care.
This is a sponsored post in collaboration with Eversure.
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