Buyers’ guide
The Insurance Emporium › theinsuranceemporium.co.uk The Insurance Emporium provides insurance for subjects ranging from pets to golf and weddings – plus cameras. Camera insurance starts from £1.46 per month for kit worth £100 on the amateur and semi-pro coverage. There’s also a 25% introductory discount that applies to the first 12 premiums on monthly policies or the first premium on annual policies. There are two policy types on offer: amateur/semi-pro, where photographers earn less than 50% of their income from photo-related work and have under £25k of equipment – or the professional policy for those who earn more and own up to £50k of kit. Both have optional benefits, including cover for phones, waterproof photo gear and extended worldwide cover. Core properties of the annual amateur and semi-pro policy include new for old (for gear up to four years old); theft and unattended vehicle cover at 100% of the sum insured/market value; worldwide cover for up to 90 days a year; replacement gear hire up to a max of £300 for four weeks – plus £1 million public liability cover.
Aaduki Multimedia Insurance › aaduki.com
With over two decades of photography insurance experience, Aaduki is a leading broker for amateur and professional photographers and moviemakers, with specialist options available for wedding photographers and working videographers. For enthusiast photographers, insurance is available for photography and video kit, lighting equipment and computers. Hired kit can also be covered. If you need a more extensive policy, the professional photographer option also covers stock, materials, props and other business property. There’s also professional indemnity covering claims against your work for which
you are legally responsible; public liability that covers you against damage to third-party property or injury to a member of the public; plus there’s a legal helpline for advice on UK law (24/7), UK tax (weekdays only) and counselling assistance (24/7). With so many elements to Aaduki policies and a panel of insurers being used rather than a single provider, all policies are tailored to each individual client. Use the website for an online quote, or give them a call and speak to an expert. The Aaduki website is clear, concise and easy to navigate, with all of the contact details you need displayed very prominently.
PolicyBee › policybee.co.uk
Infocus Insurance › infocusinsurance.co.uk
PolicyBee’s market is supplying insurance for businesses, and it offers professional photographer’s insurance and cover for photography equipment. Essential insurance is available from £18.35 a month. This comprises equipment insurance up to £5k from £5.44 a month; public liability insurance works out at £4.20 a month for £1 million cover; £7.08 a month gets you £100k of professional indemnity insurance to protect you if a client is unhappy with your work and decides to sue you; plus there’s equipment breakdown insurance including data recovery – £1.63 a month gets £5k of cover. That all comes to £18.35 – with an additional option of legal expenses insurance at £4.67 a month for commercial legal disputes and debt recovery. These figures are obviously for guidance, and as a working pro, the kit you use for your business is probably way in excess of £5k – so call PolicyBee or use their site for a custom quote. Speaking of the website, the reasons you need specific insurances for your business are clearly explained, so if you’re a pro this is a good place to start.
Infocus offers insurance for photographers and videomakers and its policies are underwritten by Hiscox Insurance. Premiums can be paid by direct debit in interest-free instalments and equipment can be covered worldwide. Go to the site and you’ll see two off-the-shelf options, basic and standard – if your needs are met by the quoted criteria, this quick way of buying a policy is an excellent innovation. Take the standard option and £299 a year gets you £10k of photo equipment cover, business contents cover to £2500, £3k of computer kit, £100k of professional indemnity, £2 million of public liability plus £25k of crisis containment cover. The latter isn’t a common feature but it’s essentially help with PR if a job goes very wrong. The basic policy is £199 but with no business contents or computer cover and equipment cover only up to £5k. There’s also a third option – create a bespoke policy, either online or by giving Infocus a call. PN
24 Photography News | Issue 107
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