Buyers’ guide
PolicyBee › policybee.co.uk
Eversure › eversure.com
Additionally, professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander, providing £100k worth of cover at an outlay of £7.08 per month. Finally, equipment breakdown insurance – £5k worth of protection from £1.63 per month – covers electrical or mechanical malfunction, including the recovery of data. This all adds up to a premium for professional photographers totalling £18.35 per month. In providing the peace of mind that all the essentials are covered, PolicyBee leaves you feeling free to enjoy the buzz of photography itself.
With a decade of specialisation in business insurance, tailored online quotes for working photographers and videographers are given in as quickly as two minutes. Live chat and phone support are offered, and from £5.44 per month you can get up to £5k worth of photography equipment insurance via PolicyBee. This covers fixing or replacing cameras, laptops, phones, lighting or sound- recording equipment. Useful for photographers shooting events, its public liability insurance covers third-party property damage and injury caused by you or your business, with £1 million worth of cover from as little as £4.20 per month.
With a policy suited to all types of photographers, theft and accidental damage is covered as standard. Plus, if you’ve owned your equipment from new and it’s damaged or stolen, the policy will pay out for a new kit of equivalent value. But it’s not just cameras; drones can be protected as long as they’re being used for non-commercial purposes. Worldwide travel cover can also be added as desired, as can cover for hired equipment and mobile phones or tablets for those who work on the move. For professional photographers, public liability and professional indemnity are accessible as required, along with employer’s liability for those who aren’t working alone. There’s even portfolio cover for those wanting to protect their completed images. Got a burning question? Eversure’s agents are on hand via live chat to answer queries during working hours, while policy amendments can be made through its online form. We’re told its comprehensive range of cover levels is underwritten by Axa, providing peace of mind that you’re in safe hands.
Aaduki › aaduki.com
Seeing as personal requirements always vary, you may feel that a tailor-made policy which precisely fits your circumstances is the best option. Being able to speak with someone at the end of the phone could also be part of that requirement. Specialising in equipment cover against theft and accidental damage, Aaduki can offer new-for- old – so if your current camera can’t be repaired following a claim, it’s simply replaced with the latest model. A policy covering hire charges for alternative equipment to keep your operations ticking over may also be beneficial. Aaduki has connections across the photographic industry with the likes of equipment repairers and suppliers, who can step in and help when a claim occurs. As well as covering equipment based in the UK, it also provides protection for travelling to Europe or around the world. And, of course, professional photographers might want to consider taking out public liability and professional indemnity insurance. Recommended by the Society of Photographers – among others – Aaduki is a familiar name in the UK photo trade, dealing directly with photographers for almost 20 years.
Glover & Howe › gloverhowe.co.uk
Boasting more than 50 years of providing insurance, coverage for photographers includes tailored packages for both amateurs and professionals. You get the regulars of accidental damage cover, protection against theft, accidental loss, theft from an unattended vehicle and even multiple lengths of coverage for travelling internationally with your kit, enabling a stress-free trip. Dedicated policies exist for anyone who trades full-time or part-time as a photographer, as well as for the amateur photography enthusiast and any business which combines photography with videography. Getting more specialist still, there are even related policies for astronomy enthusiasts, plus drone insurance for those using these devices as part of their photography business. Another benefit of dealing with Glover & Howe is getting a dedicated account handler to assist with any queries. If you refer another photographer to its services, there’s a chance to pick a £25 retail voucher as a reward.
46 Photography News | Issue 114
photographynews.co.uk
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