Public liability insurance.

PBP27

PBP27

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Paul
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Ok so I've been told that I need public liability insurance to shoot at my local Kart track. Also, although I am happy to stay behind the fence the circuit manager has said that I cannot go trackside. He seems happy to take photos from me to use on the circuit's website, when their regular tog is earning decent money shooting weddings, but seems to have the hump at all other times.

What is the best type of cover for me, can anyone help with some advice ?
 
Typically, PLi policies cost about £70-100 as a stand alone policy. Someone like "Glover and Howe" will insure your equipment and you get PLi included in the price. Depending how much your equipment is worth, you might get a really good "all in" deal. Bare in mind that different circuits require different levels of cover - the normal requirements are 1,2 or 5 million pounds.
 
Gary's advice is good.

Mine is in with my pro kit insurance, and that has always been the case. I'm on £5m at the moment which is sufficient for me.

My advice would be to go find another circuit ;-) If he can only be bothered to have your work for free when he doesn't have any other option then I'd be looking for somewhere else - or stick with just being a spectator, where you would assume (as is normal) you wouldn't need to have any 3PL to take photographs from behind the fencing.
 
Thanks for your replies any bit of advice helps. I did chat with the circuit's photographer on Sunday, he said his insurance covered him for £2m and he did seem pretty helpful. It is a bit awkward with him, as last month he said he ws giving it up as he doesn't get much interest (sales) and asked if I wanted to take over, but he now seems to have back tracked a bit, as the British champs are at the circuit in May, which has upped the entries for the monthly clubbies. He has asked if I could cover the April meeting but stay behind the fence and give the circuit half a dozen shots for their website. The British (Super One) champs have a contracted photographer, so I've been told that May will be off limits ?
I did have an official ask me if I had signed on when I was at one particular corner on Sunday, he stated that I shouldn't be doing so without signing on first .
It is all a bit confusing, I sell a few shots to competitors and the circuit is very local to me.
 
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I don't understand are you "trackside" or "spectator side" ? Your first post suggests you are not, and your most recent one suggests you are.

The fact is that if you are "trackside" then you need 3PL. You could cause significant damage to a driver with your kit (or yourself). If you are going to do that and be a "professional photographer" then these people are not jobsworths - they are ensuring you comply with the regulations, health & safety and anything else to protect you and themselves. These rules will apply to everyone.

If you don't want the hassle then stay outside the fencing (spectator side) and just enjoy it like anyone else that comes along to watch.
 
Fair comment Mike which I respect fully, I haven't been trackside at this circuit this year, only spectator side. It makes more sense now with your explanation for the reason of having cover and it is something that I will look into, especially if it helps with more work in the future. I was trackside last year at other venues and this was never explained to me nor was I asked if I had cover, which was very scary now when I think about it. I'll definitely retract my 'jobsworths' comment and have edited my post to reflect that.
 
Thanks Gary, with the premise that I could be working in the future , I am now investigating cover .
 
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