About Business Insurance for Photographers
Your role will mean that you offer customers advice on what will work best based on their needs but this puts you at risk of causing financial loss and negligence. If your customer believes that you have caused them financial loss or even injury during a photo shoot then they could make a claim against you. A claim could be extremely damaging to your business as the costs relating to defending a claim can mount up to thousands of pounds.
Business Insurance for Photographers
Business insurance is a great solution to dealing with the issues and costs that come with defending a claim. Any claim made against you can damage your business financially and it could signal the end should you have to pay for everything yourself. Business insurance is there to offer you the protection you need. Any costs associated with a claim will be covered and this can range from defence costs to court appearance costs to compensation costs.
Dealing with a claim yourself can take time which means your business receives less of your attention and that can be damaging in itself. Business insurance gives you complete peace of mind because the protection it offers can help your business financially and also help you to focus on the needs of your business. As your advice or property and decisions can cause financial loss or injury to your clients you are at risk so do not take a chance simply put business insurance in place.
How Does It Work?
When you decide to put business insurance in place you are safeguarding the finances of your business. Any claim that is made against you because of negligence or incorrect advice will be covered by our business insurance.
Our professional indemnity insurance will protect you from any claims made against you that relate to incorrect advice that has cause injury or loss. As part of your job, advising customers is how you get the best from photoshoots but if you give them incorrect advice that leads to financial loss then clients will be well within their rights to make a claim. You may be an experienced and reputable photographer but mistakes can occur and this puts you at risk.
Public liability insurance will protect you from claims made against injury or financial loss. A client may visit your studio and become injured after tripping over cables or other equipment or you may visit their premises and damage their walls or flooring with your equipment. You may believe that the risk is low but the potential is there so you need to ensure that you are fully protected because defending claims
Business insurance comes with the following features:
- Every claim is covered even if they are unsuccessful
- Each claim is assessed prior to payment being released
- Protects your business in many ways
- Defence costs and settlement costs are included as part of the cover
- Business requirements are considered to ensure the right cover is chosen
- Court appearance costs are included
- Covered created to suit your budget
What Are the Benefits?
Your business will experience the following benefits:
- It will meet all legal requirements as well as industry regulations
- Allows you to focus on your business needs
- Financial protection
- Advice is provided as well as representation
- Allows you to work efficiently knowing that you are no longer at risk