Insurance Options : Public Liability & Professional Indemnity
With third parties becoming more aware of their rights, negligence based insurance policies form an important part of your insurance needs.
They not only cover the claims costs but the subsequent legal fees involved in either defending or negotiating these matters, which are often lengthy and expensive.
Public Liability Insurance
A public liability policy provides cover for:
Injury caused by you or your employees to other people for which you are deemed negligent. This could be a simple accident such as someone falling over a tripod to a more serious injury caused to a child during a shoot.
Damage to other people’s property for which you are deemed negligent. This may be damage caused to a home you are shooting for a real estate sale, to damage caused to a commercial building.
Damage caused by you to Goods in your Care, Custody or Control for which you are deemed negligent. This could be damage to expensive glassware, clothing or other goods damaged whilst in your care, custody or control.
Products Liability. This part of the policy protects against claims of personal injury or property damage caused due to your negligence by products produced by your business
Professional Indemnity Insurance
This type of policy protects the professional photographer for loss arising out of a Breach of Professional Duty. There are a number of scenarios that could result in a professional liability claim being made against a photographer. A few of these situations could include:
Losing or damaging memory cards or film after completing a job resulting in a financial loss to the third party.
A scheduling error resulting in the shoot not taking place which then causes reshooting expenses.
If you would like any more information on either of these products contact us on 1300 733 476 or complete the request quote form.