Running any business always entails risk, and a photography and videography business is no exception. There’ll be many reasons you decided to embrace the freelance life, and we’re sure that making money doing work you love is high on that list! But, when things go wrong, a dream scenario can quickly turn into a nightmare.
Here’s a look at four of the biggest risks that independent photographers and videographers face in their work.
(1) Professional Errors
A photographer and videographer’s work is quite unique in that you’ll often have a limited amount of time to capture the correct shot. This means that once the wedding is over, you can’t go back and do it again! There’s a lot at stake, especially when you’re helping your clients document some of the most important moments in their lives. Although incredibly rewarding, one simple mistake could mean a very angry customer and a very costly lawsuit.
If the client is angry, they may post a negative review online or on your social media channels and actively try to discourage people from hiring you. As well as damaging online reviews, a particularly upset client may look to sue you. Fortunately, Professional Indemnity will defend you against these types of claims.
(2) Accidental Damage
Your equipment is your livelihood, and unfortunately, even the most careful person occasionally slips up – literally! When you’re carrying around tripods, camera bags and have the responsibility of ensuring your equipment is set-up safely for posed shots, you have to be aware of the risks this entails. If any of your precious equipment is damaged in a trip, fall or even a simple knock, with specific policies from Glover & Howe, you can rest assured knowing that you won’t be left out of action.
(3) Public Liability
Public Liability can cover the costs associated with third-party injuries so if somebody injures themselves as a result of your business activies or even if you damage somebody else property, you don’t have to worry about dipping into your savings to get someone on the mend. Glover & Howe can offer cover starting from £2 Million up to £10 Million.
Whether you’re a film-maker with one or two projects a year or a YouTuber producing daily vlogging content, theft poses a threat. Cover from Glover & Howe is available whether you’re working from home, in a studio, or within specified territorial limits.
Theft or attempted theft involving forcible entry or exit are automatically included, unless otherwise specifically excluded in the policy wording or scheduling. Giving you peace of mind that your extensive, expensive kit is safe with you – wherever you work.
Understanding the particular risks pertaining to the photography and videography landscape can help you further customise an insurance plan to suit your needs, whether you’re a start-up or a growing business.
With over 50 years of experience, our specialists can guide you through the type of insurance cover we offer for semi-professional and professional photographers and videographers. Call us on 01206 814500 or send us a message via our contact form.