Protecting against what goes wrong.
WHAT CAN GO WRONG
Equipment stolen or damaged Someone injured on a shoot Property damaged Work lost before delivery A claim about published material
WHAT EQUIPMENT COVER SHOULD ADDRESS
Theft, including from vehicles Accidental damage Cover away from your premises Hired equipment
WHY AWAY FROM PREMISES MATTERS
Most loss happens on location.
WHAT PUBLIC LIABILITY COVERS
Injury or damage to others arising from your work.
WHY IT MATTERS
Many venues and clients require it before granting access.
WHAT PROFESSIONAL INDEMNITY COVERS
Claims arising from your work being inadequate.
WHAT TO ASSESS
What a single bad day would cost, and whether you could absorb it.
WHAT TO DO IF INSURANCE IS UNAVAILABLE OR UNAFFORDABLE
Reduce exposure: secure equipment, limit what is carried, back up immediately, work within your competence.
WHAT CONTRACTS SHOULD LIMIT
Your liability, to a reasonable figure.
WHY
Unlimited exposure on a modest project is not a sensible trade.
WHAT TO EXCLUDE EXPLICITLY
Consequential losses, where possible.
WHAT TO ESTABLISH ABOUT CLIENT PROPERTY
Who bears the risk while it is with you.
WHAT TO PHOTOGRAPH
Any item received, on arrival and departure.
