ABSTRACT
This chapter provides details on different voluntary and compulsory general insurance covers and those policies specific to professional photography practice. Professional indemnity insurance is considered essential protection for all professional practices in today’s litigious climate. Photographers are at risk in the same way as other professional practitioners to claims arising from professional negligence Incidents of an apparently minor nature could ultimately result in substantial court awards and expensive legal costs. Most insurance brokers can provide insurance for loss, theft or damage to a photographer’s equipment, but a firm which specialises in the film, TV and photography business is usually recommended because it will probably have a better understanding of our business needs. Most photographers pay an additional premium on their equipment insurance to cover their portfolios against loss, damage or theft. Goods in trust is a voluntary insurance policy, which protects photographers against damage to props they have hired or borrowed.
