Photography News 100 - Web

Buyers’ guide

Underwritten by Hiscox, Infocus gives clear, simple pricing and more bespoke options if required. Helpful videos explain what the types of cover mean and why you need them. A Basic package starts at an annual £199, covering gear up to £5000, professional indemnity up to £100,000, public liability up to £2m and crisis containment of £25,000. The £299 Standard is the same, but with kit up to £10,000, business contents (£2500) and computers (£3000). Commercial legal expenses and personal injury may be added, and kit is covered in cars and for global travel. Members of The Guild of Photographers can get a discount, too. Infocus Insurance › › 0161 925 5051

With a lofty Trustpilot score, PhotoGuard provides specialist insurance for equipment to amateurs, pros and all in-between. Protection includes theft and accidental damage, whether at home or on a UK shoot – up to 30 days worldwide. Theft from unattended vehicles is also featured. Depreciation-free, new-for-old cover can PhotoGuard Insurance › › 0333 004 6555

be applied to stills or video kit, even action cams and drones. If you’re in a pinch, there’s up to £2000 for equipment hire, and you can get up to £5m in public liability, although it excludes incidents in North America. Pre- owned cameras and lenses are covered, and PhotoGuard will insure your camera when you lend it out.

Eversure provides comprehensive cover with a range of levels, and is underwritten by Ageas. Theft and accidental damage are protected as standard, to pros and amateurs alike. As long as you’ve owned your kit from new, the policy will pay out or replace with gear of equal value, if it’s damaged or stolen. Eversure › › 0330 094 5257

Coverdrone › › 01270 448 998

Offering business-centred insurance for multimedia companies and professional photographers – also catering for enthusiasts – Towergate Camerasure has specific policies for all sorts of photographic and video equipment. The company boasts a quick and efficient in-house claims service, if the worst should happen. Towergate Camerasure › › 01489 770 340 Aaduki has delivered specialist photographic insurance since 2005 – enough time to pick up numerous Photography News awards for its excellent services. With individually tailored premiums beginning at well under £100 per year, and more extensive cover available, there’s plenty of friendly advice to make sure you get the right package. Cover also includes business interruption for professionals and insurance of hired equipment, so if you’ve specced up for a big job or once-in-a-lifetime trip, you can breathe easy. Public liability is standard, in case you drop your Nikon Z 9 out of the window on to someone’s head. Aaduki Multimedia Insurance › › 01837 658 880

Specialising in commercial and recreational drone operators, Coverdrone offers protection against loss or accidental damage on the ground or in flight, as well as claims against aviation liability, data protection and invasion of privacy. It’s fully compliant with Civil Aviation Authority guidelines.

Issue 100 | Photography News 39

Powered by