Originally written by Anna Jordan on Small Business
Being a photographer is creatively rewarding but a fair few things can go wrong.
We explore what you need in terms of photography insurance as a small business owner – whether you’re in the studio or on-location for a shoot.
What insurance is required by law for photographers?
Some parts of an insurance policy are a must for all businesses and others are particularly handy for photographers.
“Personal liability insurance is important as you’re working with the public,” says Jemma Holloway at Direct Line for Business. “It also keeps you covered in case damage is done when you’re on-location for a shoot.” Say you’re filming an event and someone trips over your camera cable. Personal liability insurance will cover any costs you may incur including legal fees.
‘Indemnity insurance is essential in clearing your name and protecting your reputation’
Employers’ liability insurance is a legal requirement if you have any staff including volunteers and students. This could also mean lighting or sound crews who may experience injury or damage to their products while on the job. The insurance can cover medical bills or treatments as well as legal costs.
The only exception here is if they’re independent contractors – they’ll