Public liability insurance for photographers
This covers you for claims brought against your business by a member of the public if they suffer an injury or damage to their property as a result of your work. As a professional (or even semi-pro or amateur) if you’ve been given the task of photographing treasured events such as a wedding, christening or graduation ceremony, then you’ll want to make sure you’ve got a safety net.
It’s not great to think of all the things that could go wrong – but what about if someone trips over your tripod and breaks an ankle, or you walk backwards into the wedding cake or damage the marquee because your lighting equipment fused the electrics? Not only will you be dealing with some irate clients but you’ll probably be facing a hefty bill too. With public liability insurance in place, you can be confident that someone’s got your back.
Public liability limits start from £1 million, but you can typically increase your cover to £2m, £3m, £5m or even more. Your premiums will reflect this rise but usually only a little bit.