|1. Theft of Insured items (not from a vehicle)
||Up to £50,000
|2. Theft of Insured items (from a vehicle)
||Up to £50,000
|3. Accidental Loss or Damage
||Up to £50,000
|4. Hire of Equipment (after a claim)
||10% of sum Insured (max £2,500)
|5. Personal Accident
||Up to £5,000
|6. Public Liability (if selected)
||Up to £5 million
|7. Professional Indemnity (if selected)
||Up to £75,000
Key Policy Exclusions (see Policy Wording for all exclusions)
- Non-UK Residents.
- Hired, rented or borrowed photography equipment.
- Insured items for which you cannot provide evidence of ownership.
- Any items not named on your Schedule of Insured Items or covered within the total value of unspecified items.
- Damage or theft of your equipment when it is left unattended in a tent, caravan or other unsecure accommodation. However cover is provided when equipment is stored in a locked room (e.g. hotel) and where applicable, any security devices are in operation.
- Personal Accident Cover for anyone aged under 16 or over 85.
- Loss, damage or injury where you are taking part in hazardous pursuits or engaging in military operations.
- Theft from an unattended vehicle unless the vehicle is secure, locked and keys removed and the insured item is a locked car boot, glove box or locked rear storage area that has a factory fitted cover in place such as a parcel shelf, and where the contents of said compartment are not viewable from outside the vehicle.
- Theft from any convertible, soft top, or open top vehicle.
- Mechanical or electrical breakdown, unless this results in an immediate fire.
- Equipment is not covered if it is stolen from the Insured Location when the property has been left Unoccupied for 90 consecutive days or more, e.g. you leave the insured location unoccupied and go on holiday for 4 months.
- Any mobile phone, smart phone or tablet computer.
- Any claim resulting from Your use of a Drone and/or any attached Insured Item if You have not complied with the legal requirements and guidelines for Drone operation as required by the United Kingdom government or Civil Aviation Authority.
- Any claim resulting from Your use of a Drone and/or any attached Insured Item whilst being used for commercial gain, inducement or reward, or in any professional capacity.
- Any claim relating to racing any Drone.
- Any liability arising from Your use or ownership of a Drone
Why do I need Photographer’s Insurance?
With photos to take and potential deadlines to meet, we know that the life of a pro photographer can be stressful and fast-paced. The last thing you'd want to be doing is worrying about what happens if you drop, lose or damage your camera equipment. With insurance from Eversure we can help keep your stress levels low and output high. We've also got a 5* Feefo rating with 97% customer satisfaction, so you and your camera equipment will be in safe hands . Take a look at some of the benefits of our insurance below:
Public liability covers damage or injury to other people or objects caused by accidents relating to you or your equipment. Imagine you’ve taken a break from a shoot, but you’re your tripod in place, so that the shot you’re currently working on isn’t compromised. Now if someone were to trip over your tripod and hurt themselves, your public liability insurance would cover you. Our policy offers up to £5 million worth of cover.
Professional indemnity insurance can be a tad more serious, our policy offers up to £75,000 worth of cover. This protects from claims of negligence, contract breaches, slander and libel (to name a few). If you’re accused of providing an inadequate service in any way, Professional Indemnity (P.I.) may help pay for the costs of defending yourself (as well as compensation to your client to rectify the situation). So, if you’re photographing an event and your photos come out blurred and unusable, then P.I. will ease the financial burden on yourself that may arise due to action brought on against you.
Wherever you go, your cover will follow. As long as you’re not working in a country that has a travel advisory against it (you can check the list here) then your equipment will be covered, giving you the flexibility to work globally, without worrying about whether you’ve got cover.
Accidental Loss, Damage and Theft
Professional photographers spend a huge amount of time travelling and having cover for accidental loss and damage is really useful when you’re on the move. The last thing you want to be worrying about on a shoot is what happens if you drop your camera or have equipment stolen from you. So having cover in place will hopefully go some of the way to allaying those fears.
Theft from a Vehicle
Our policy will cover your camera and equipment if it’s stolen, as long as it was in a secure, hidden and locked part of the car. If it’s in a carry case in a glove box or a locked boot that would be fine. One important thing to note is that we can’t cover your equipment if it’s stolen from a convertible.
Do make sure you check the policy wording for all terms and exclusions to make sure you get the right cover for you.
Our FAQs are intended as a guide and are not exhaustive, you should not rely on these in their entirety and should read the Policy Wording for all policy Terms, Conditions and Exclusions. If you have any additional queries regarding our insurance please use our Contact Us section to call us during normal office hours or contact us by email. We will endeavour to respond to any queries within 24 business hours.