Insurance part 2

G

GfK

Suspended / Banned
Messages
1,503
Edit My Images
No
I'm doing a couple of wedding photo shoots and videos next year (possibly get some sooner than that), and I was wondering about insurance, to cover things such as:

1. Me not being able to do the job through theft/damage to equipment, faults, personal injury/ill health and consequently getting sued for not doing the job.

2. People being injured through, say, falling over an unattended tripod and suing me for that.

It might sound a bit daft/extreme, but with 'compensation culture' being what it is and people would rather blame somebody else because THEY weren't watching where they were going, I don't think I'd be happy doing the job knowing I wasn't completely covered.

What sort of insurance do I need to be looking at? Public liability? Indemnity?? My googling has not turned up many definitive answers.
 
Public Liability basically insures you from the stupidity of the public. To put it a nice way.

Another way to put it would be that it insures you for any mishaps that happen to the public while they are in your work area.
Now if you work in an office, then this would be cut and dry, if a member of the public nuts the carpet in your office because of his two left feet, then you're insured.
With you being out and about I'm not sure how stretched this analogy can go, but I would assume that it still covers you the same, publics stupidity around you, wherever you may be roaming.
 
It's like any other business. For you damaging something or somebody you need Public Liability.

For you making a mess of it you need Professional Indemnity. Expect to have to submit a CV detailing your experience and qualifications and check carefully exactly what's covered.

Professional indemnity "Might" include sickness, if it doesn't then you're probably looking at some sort of critical illness policy or Key Person coverage.

Our business isn't photography related but we pay a small fortune in insurance premiums for this sort of stuff :(
 
dod said:
Our business isn't photography related but we pay a small fortune in insurance premiums for this sort of stuff :(
Click to expand...
Much the same for me too, on top of "public liability" if you have staff there is also "employers liability" too.
 
Blimey :Ponders:

worms.jpg
 
I am confused ..... sSpeaking to insurers just this week, they have advised photographers do not need professional indemnity. Their definition is if one gives professional direction which the commissioner accepts wich results in professional negligence. Their example was that if you tell a customer they need a particular material and that turns out to be substandard for the job. In their opinion photogrpahy does not count in this area. They have however advised PL & EL (if nec).
They could have sold it to my but haven't. I'll take out PI and see how I go from there.
 
Marcel said:
With you being out and about I'm not sure how stretched this analogy can go, but I would assume that it still covers you the same, publics stupidity around you, wherever you may be roaming.
Click to expand...

I have public liability cover. I need it to obtain a conference football licence and I also need it to photograph at sports stadia not covered by licence.. AFAIK it also covers me at events like carnivals.

If a footballer crashes into me and my lens splits his knee open.. he will want to make a claim. If I poke someones eye out with my monopod they will want to make a claim (get somoene else to fill out the forms of course hehe)


My point being.. it is a must have outside an office IMHO.
I wouldn't drive my car without insurance and I wouldn't go to an event (football or any other) without the proper cover.
 
It's probably wise if you're doing a wedding to get some sort of contract limiting your liabilities to a full refund of all money paid should you break a leg the day before or your equipment goes up the spout. You should have back up equipment anyway in case that happens but that's for a different thread. That covers point 1.

Point 2 you are correct, you need public liability insurance for that.
 
You must log in or register to reply here.
Back
Top