Photographer indemnity insurance explained

November 8, 2008 · Filed Under Photographer Indemnity Insurance · Comment 

Taking pictures for a living is typically a highly enjoyable job, enjoyed and carried out with passion by those who are in the business. Whatever the subject, be it a business-related commission, media assignment or just a family wedding, delivering a professional and accomplished set of snaps is always at the top of a photographer’s agenda. However, mistakes can be made, even with the most detailed planning and preparation, and this means a photographer can be open to facing a court case. This is when photographer indemnity insurance can play a vital role.

Just about everyone has done it at some point – forgotten an important piece of equipment for a shoot, got the settings on a camera wrong, or lost data. All of this could lead to a financial loss for a client and can mean a re-shoot is needed. Loss of wedding pictures may also lead to a couple seeking compensation. Such situations could lead to a potential court case which will have to be defended – and if compensation is awarded to someone, how will it be paid?

Photographer indemnity insurance is designed to take away these concerns. Indemnity cover is designed to pick up legal bills if a professional faces a court case following a mistake, omission or act of negligence. It will even pay compensation which might be awarded to a claimant who is successful in court, although certain limits will naturally apply.

Indemnity cover will also typically go beyond providing protection for mistakes. It will also guard against legal claims relating to defamation caused through slander or libel. Protection will also be provided for accusations of breach of confidence or copyright. In the unfortunate event that a photographer’s employee commits an act of dishonesty, such as stealing from a client, protection will also be provided for any subsequent legal claim.

Legal claims can often move quite slowly, and this can mean one may arrive many weeks or even months after a related event took place. Sometimes this means a claim will arrive which relates to something which happened before a policy started. Many insurers will therefore provide what is commonly known as ‘retroactive’ cover, protecting claims which are historical but which are at least received during the life of the policy. Where a photographer retires or ceases trading, run off cover can also be arranged to cover any claims which may then suddenly crop up after things have been wound down.

Indemnity insurance might not necessarily be associated with creative professionals in some people’s minds. In the past it has been a type of cover more commonly taken out by medical practitioners and similar professionals, but a more legally aware society means its relevance has expanded. Therefore photographer indemnity insurance is arguably an essential tool in the modern climate.