Being a professional photographer hired to cover corporate events is an exciting career path filled with much variety and creative challenges. While getting out and about to capture occasions such as business conferences, parties and award shows can make the job interesting, it’s also vital to ensure you‘re properly protected while you’re working.
Handling jobs on the go requires a certain amount of flexibility, and your insurance policy needs to be flexible too. This is what makes a bespoke corporate and event photographers insurance plan the best choice for protecting you from a number of risks. Being fully protected lets you get on with the job at hand without having those many what ifs haunting the back of your mind.
Photographers insurance for this kind of work should be tailored to more specific risks. After all, a lot of the time you won’t have full control over your surroundings like you would do in your own studio. Such a changeable working environment can be particularly high risk and your cover must reflect this. Let’s unravel some of the most vital elements of protection for professional photographers in your field.
Insuring your photography equipment
We know that professional photographers carry a lot of expensive gear around with them. From the camera body and multiple lenses to tripods, lighting props and other specialised equipment, it helps having peace of mind in knowing what’s essentially your livelihood can easily be replaced or fixed should it get lost, damaged or stolen.
Corporate and event photographers in particular are more likely to be on the go producing portfolios of images for various businesses than being based in the relative safety of a private workspace. Travelling around often to different types of events and locations obviously increases the risk of your camera and equipment being compromised, but you also need to think about protecting your gear while at home.
If your house is burgled, there’s no guarantee that your work equipment will be covered under a general domestic insurance plan, so it’s always worth checking you have the right protection in place. If you rent out a separate office or studio, buildings and contents insurance is advisable to cover your belongings should they be stolen, or ruined following freak weather such as flooding.
Protecting yourself against third party claims
Professional indemnity insurance for corporate photographers is essential protection for dealing with legal claims against you for the likes of professional negligence, loss of data, breach of contract and defamation.
If you fall into a dispute with a client, lose commissioned photographs due to a camera malfunction or fail to honour what you’re contracted to do for whatever reason? What if a memory card corrupts leaving you unable to deliver an important batch of photographs to a client? There could be grounds for being sued by a third party. This is where PI insurance comes into play in covering your legal costs along with any financial or trade losses incurred as a result of the proceedings.
Public liability cover is another important cornerstone of corporate photographers insurance. This protects you should a client or member of the public sue you after being injured as a result of your work. If somebody is hurt after tripping over your gear, for example, this could leave you liable to pay compensation should they take action.
Being covered in the event of personal injury
If you’re injured on the job and can’t accept new contracts for an amount of time, personal injury insurance will cover any loss of earnings so that you can concentrate on getting better. The nature of a photographer’s work is not something that can easily be passed on to somebody else. Many corporate and event photographers are hired due to their unique creative skills and reputation, so finding a replacement might not be an option.
Being unable to make a living due to an injury is a frustrating situation for a photographer to be in, but having this cover in place at least provides assurance that you can focus on recovering should this happen, rather than worry yourself with the loss of income.
Contact The Insurance Octopus and get yourself fully insured with a specialist PI Insurance policy today.