Our Policies
Our Basic, Standard & Studio packages are designed to cover the most common requirements of a Semi, or Professional Photographer. However, you can mix and match any of our 10 policy sections to suit your individual requirements. Please contact us on 0844 811 8056 or 'Request a callback' for advice.
The content below is also available in pdf format. Download a copy of the policy summary here.
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Professional Indemnity
Covers your legal liability to pay compensation to a third party who brings a claim for professional negligence or breach of a professional duty of care. -
Photographic & Technical Equipment
Equipment for photographers insured against ‘All Risks’ including Accidental Damage & Theft. Equipment in transit and theft from Unattended Motor Vehicles. Includes annual worldwide cover' -
Personal Accident
Worldwide cover against Death, Injury and Temporary Total Disablement (as a result of accident) which stops you or you employees performing their normal duties. -
Contents at the insured premises
The contents of your photography business premises, to include computers and ancillary equipment, film editing and related equipment, and film processing and darkroom equipment. -
Business Interruption
To protect against the loss of income, or additional expenses incurred, due to an interruption in normal business activities caused by damage to the property or contents insured under this policy. Now extended to include upto £5000 loss of profits as a result of damage to your business vehicle. -
Crisis Containment
A time of severe difficulty in your activities or danger to your business as a result of an insured event that could, if left unmanaged, cause adverse or negative publicity of or media attention to you or your business.
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Public & Products Liability
Legal liability for injury to third parties and/or loss of or damage to their property. -
Commercial Legal Expenses
Legal defence costs, employment disputes and compensation awards, property protection and bodily injury and tax protection and contract disputes -
Employers Liability
Legal liability for injury, illness, death or disease of any employee caused during the period of insurance. -
Buildings
The buildings, including outbuildings at the premises shown in the schedule, which belong to you or for which you are legally responsible. -
Internet & E-Mail Liability
To provide defence costs &/or compensation to third parties incurred as a result of; Content of Email, Intranet, Extranet or Website. Negligent Transmission of a Computer Virus. Unauthorised collection or misuse of any data. Damage to computers or website(s) caused by hackers.
