We understand that when it comes to insurance it can be hard to get your head round some of the terms you come across, especially if you have never made a claim before. 

We bring you a guide to some of the most commonly used terms in photography insurance, so you’ll be in the know should you ever need to make a claim!

Annual payment

An annual payment is an upfront cost for an entire years cover.

Certificate of insurance

This certificate details the terms and conditions under which your equipment is covered.

Equipment case

Hard or padded case, which has been designed to protect and carry your photo and digital equipment.

Equipment cover

Equipment insurance covers cameras, lenses, lighting, filters and all the other bits and pieces found in your typical kit.

Evidence of ownership

When making a claim, InFocus Photography Insurance need to be certain that you were the owner of the insured items. Receipts, bank statements or photographs are usually acknowledged as acceptable evidence.


Excess is the amount you’ll need to pay if you decide to make a claim.

Period of insurance

This details the length of time you are insured for. InFocus policies last for a year and you are able to pay upfront or in 12 easy to manage instalments.


In terms of insurance, a photographer is the collective name for anyone who records images via film, digital or video cameras. A professional photographer earns an income from photography. Amateur photographers take photographs for pleasure or to record a specific event.

Photographic equipment

Photography equipment can be anything from the camera itself to memory cards, lenses, tripods and flashguns – often worth thousands of pounds.

Professional indemnity

This type of insurance will provide you with financial protection should you fail to produce work of a professional standard.


This term doesn’t just cover buildings, but could refer to a laptop, car, or equipment.

Replacement value

Replacement value is the price that an item would usually cost if bought new from a shop. For rare or vintage equipment you should get a specific, independent valuation.

Public liability

PL insurance covers any accidental damage you may cause to property or another person as a result of your work.

Serial number

A serial number is the unique code that identifies a specific piece of equipment. The serial number will usually be needed for in the event of the claim.