Dave Beard

Expertly compared by Dave Beard

Products Updated June 4, 2018

Business Insurance for Photographers

Working as a photographer will mean that your job takes you to many different places while working with many different customers. 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.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

4 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

4 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

4 providers expertly compared:

Available via broker only

Zurich

Provider
Zurich Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.6/ 5

All credit types

The right insurance package will give you the peace of mind to successfully grow your business. Zurich have an extensive suite of insurance products tailored to a wide range of small and SME businesses to ensure you have complete protection from all risks.

4 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

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 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

The Features

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

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