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

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Originally written by Anna Jordan on Small Business
There are certain types of insurance which are essential in your personal training company as well as some extras that you may not have even thought about.
If you feel bamboozled by personal trainer insurance, Neil Robertson at Insure4Sport has some helpful advice to get you started.
Why you need personal trainer insurance
Specialist personal trainer insurance protects you against potentially costly claims from clients if something goes wrong during a session. It also covers you if your equipment is lost, damaged or stolen, if you injure yourself when training or if an employee gets injured while working for you.
It’s so important that proof of specialist insurance is required by most gyms and sports centres before they allow you to work at their facility.
What types of insurance are required by law?
If you train with clients, having public liability insurance is essential. This protects your legal liability if a claim is made against you for injury to another person or property damage. For example, you may need to claim if a client injures themselves during a session and holds you responsible or if you accidentally damage a facility you’re training at.
Professional indemnity insurance is also essential if

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