Uk Public Liability Insurance

Uk Public Liability Insurance
(AFX UK Focus) 2010-04-16 02:09 PRESS DIGEST – Malaysia – Apr 16
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ASUS Notebook Express Gate

Photography Insurance?

Who would you recommend as a insurer for a professional photographer within he UK. Ideally one that offers between full cover with public liability or being able just to cover equipment.

With something like this, you’re probably better off using a specialist outfit than buying a one size fits all policy from one of the bigger firms.

Whilst I’ve never used them myself, so not a recommendation as such, a couple of options I came across while doing some research the other day were ‘photoguard’ (part of Jardine Lloyd Thompson, a very big broking outfit) and ‘aaduki multimedia insurance’ (another specialist broker, based in Devon). Their policies seemed quite flexible in terms of offering options for different levels of cover for equipment in the home v what you take away, you could even add on Professional Indemnity (which as a professional you should at least consider) as an option if you wanted. Both firms also accept payments in monthly instalments & aaduki offers discounts to members of certain trade associations.

From what I’ve seen Public Liability cover for a photographer isn’t a huge cost (say 50-100 annually) and is usually cheaper if you buy it bundled with equipment cover (less admin costs etc), but again it’s worth shopping around.

A couple of others to consider are: ‘AUA’, ‘Towergate’ and of course your local friendly insurance broker, an option well worth considering especially if you’re not 100% happy comparing the nitty gritty of policies. You can find your nearest broker through the BIBA website.

These are specialist products so there can be much bigger variations in cover than you’ll find in your standard house and car insurance. Nothing wrong with that, just more important to know what you’re getting for your money. Make sure you find the policy that suits you best and don’t automatically buy the cheapest and not get the cover you need or conversely end up paying for cover (such as for working in the US) which you may never use.

Links below which I hope will give you somewhere to start

Cheers