Public Liability Insurance

An important part of your photographers insurance

After 20 years working in the photography business, we understand the types of cover you will need as part of your photography or videographer insurance. Public Liability insurance is one of the most significant for both you and your clients’ expectations, and you may find that:

• Your clients ask you to take out Public Liability within your photography insurance as a condition of working with you, especially when you’re carrying out a shoot on location. This gives your clients the peace of mind that if any property is damaged during the shoot, you’ll be able to pay for the repair or replacement.
• Your local authority needs you to have Public Liability insurance cover so you can get a permit to work, depending on the location of your shoot and the nature of the work you’re contracted to do.
• Any contract you sign may well require you to have Public Liability cover in place – even for the smallest of jobs.

So although Public Liability isn’t a legal requirement, we always recommend you add it to your photographer insurance to give you the peace of mind that your photography business is protected.

Limit your risk, whatever your business

If you are likely to work in any situation that involves a third party, then you should consider Public Liability insurance. In the same way Professional Indemnity covers protects you for professional mistakes, Public Liability protects you from accidents.

Whether your own photography business is large or small, any claims for compensation for a personal injury caused by your business could run into the millions. That’s why we offer a range of different limits as part of our insurance for photographers and videographers, which can be adjusted throughout the year to meet your changing needs.

We offer limits of £2 million, £3 million, £5 million and £10 million and we can arrange these on either an:

• “Any one claim” basis – meaning the limit will apply to every claim you have during the period covered by your insurance policy.
• “In the aggregate” basis, meaning that the maximum limit would apply to your account for the full year – keeping you covered for the full year if less than this limit is paid out.

To find out more, simply get in touch and we’ll be happy to help.

Why choose Photoshield?

Photoshield is one of the UK’s leading videography and photography insurance specialists. Now we are part of the Performance brand, we have the knowledge, experience and network to find the videographer insurance that’s right for you.

We’ve been looking out for you behind the lens for over 20 years, so we understand what it takes to safeguard your business. That’s because we always listen to our customers. Our insurance for both photographers and videographers is flexible, competitive and framed to your needs. So if you want to put peace of mind in the picture, just give us a call.

We offer:

• Over 20 years’ experience insuring photographers and videographers
• Flexible payment options – choose to pay by monthly instalments or as an upfront single payment
• A UK-based team ready to help
• A range of covers, including photography equipment insurance, Professional Indemnity insurance, Employers’ Liability insurance and more
• Cover at the click of a button using our online system – get a quote and buy your business insurance in just a matter of minutes.