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Professional Indemnity Insurance advice please.

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ourdayphotos
9 Dec 2012 - 6:05 PM

Hi. I will have shot about a dozen weddings this year by the end of December with a few more bookings confirmed for next year. I think I should seriously be looking at indemnity insurance & wonder if any of you could recommend an insurer? I'm not a full time photographer so I'm not making a lot of money but I know I should be covered. Also, how much should I be expecting to pay annualy?

Thanks in advance.

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KathyW
KathyW  111793 forum posts Norfolk Island12 Constructive Critique Points
9 Dec 2012 - 6:22 PM

I assume you already have public liability insurance so check out idemnity insurance from your current insurer. I found simply business to be very efficient and competitive on price for all types of business insurance. The specialist photographic insurers were somewhat expensive... Tongue

Helpful Post! This post was flagged as helpful
User_Removed
9 Dec 2012 - 6:29 PM

Wot Kaffy said...

Especially this bit -


Quote: The specialist photographic insurers were somewhat expensive...

JD.

Wink

Last Modified By User_Removed at 9 Dec 2012 - 6:30 PM
ourdayphotos
9 Dec 2012 - 6:41 PM

Thanks very much Kathy, I've been on & checked them out. Does 203 pa sound about right?

Stu.

thewilliam
9 Dec 2012 - 7:02 PM

The advantage of a specialist insurer is that the cover has been tailored to the needs of a photographer.

If you're a member of SWPP, there's a member's deal of just over GBP100. The major players are Towergate and Morgan Richardson.

ourdayphotos
9 Dec 2012 - 7:23 PM


Quote: The advantage of a specialist insurer is that the cover has been tailored to the needs of a photographer.

If you're a member of SWPP, there's a member's deal of just over GBP100. The major players are Towergate and Morgan Richardson.

Thanks very much for that but isn't it about 99 to join the SWPP?

scottishphototours

You'd need to be mad starting out and not to have PI insurance to start with - consider yourself very lucky to have not needed it!

Why not combine PI with Public Liability insurance and equipment insurance too?? - Aaduki can do all 3 for around 400 per annum.

Let's also use this as a lesson to others - just because you're not a FULL TIME photographer doesn't mean you shouldn't be covered. You simply can't afford to be these days...

whipspeed
whipspeed e2 Member 104044 forum postswhipspeed vcard United Kingdom22 Constructive Critique Points
9 Dec 2012 - 7:46 PM

You can put the costs down as an expense on your annual accounts for your tax return. Always worth putting everything you can on it.

Last Modified By whipspeed at 9 Dec 2012 - 7:48 PM
MikeRC
MikeRC e2 Member 93501 forum postsMikeRC vcard United Kingdom
9 Dec 2012 - 7:48 PM


Quote: You simply can't afford to be these days...

....and you can't afford not to be either Smile

ourdayphotos
9 Dec 2012 - 7:54 PM


Quote: You'd need to be mad starting out and not to have PI insurance to start with - consider yourself very lucky to have not needed it!

Why not combine PI with Public Liability insurance and equipment insurance too?? - Aaduki can do all 3 for around 400 per annum.

Let's also use this as a lesson to others - just because you're not a FULL TIME photographer doesn't mean you shouldn't be covered. You simply can't afford to be these days...

"I'm not a full time photographer so I'm not making a lot of money but I know I should be covered" is what I said.

scottishphototours


Quote: You'd need to be mad starting out and not to have PI insurance to start with - consider yourself very lucky to have not needed it!

Why not combine PI with Public Liability insurance and equipment insurance too?? - Aaduki can do all 3 for around 400 per annum.

Let's also use this as a lesson to others - just because you're not a FULL TIME photographer doesn't mean you shouldn't be covered. You simply can't afford to be these days...

"I'm not a full time photographer so I'm not making a lot of money but I know I should be covered" is what I said.

Thanks for the attitude. Great to see from someone that's done 12 weddings...

Your clients don't give a shoot how much money you're making when they hire you to do a professional job for them to provide the memories of the biggest day of their life.

Quite simply, you better deliver or else they'll sue your ass brother....you should have had this set up before you started out - that you've not been sued means you've been lucky, many other's have not...

Last time you get offered any advice on this forum from me. Sorry, but you overlooked the good advice to take a dig. Very disappointing reaction from a fellow Scot...

ourdayphotos
9 Dec 2012 - 9:47 PM

Oh man, it never takes long on here. I didn't give you attitude, I was only pointing out that I was fully aware that I needed the insurance. I appreciate your comments & you are correct in stating what I already knew. I have been photographing for 25 years but only started weddings this year which I don't charge much for. I was looking for advice on which which insurers & not IF I needed insurance. Thanks very much for answering my question & I'm sure it'll make others thing about getting insurance too. I'm not patriotic. Wink

KathyW
KathyW  111793 forum posts Norfolk Island12 Constructive Critique Points
9 Dec 2012 - 10:56 PM


Quote: Quite simply, you better deliver or else they'll sue your ass brother....you should have had this set up before you started out - that you've not been sued means you've been lucky, many other's have not...

How many times have you been sued Andy? Is this a very common thing these days?

scottishphototours


Quote: Quite simply, you better deliver or else they'll sue your ass brother....you should have had this set up before you started out - that you've not been sued means you've been lucky, many other's have not...

How many times have you been sued Andy? Is this a very common thing these days?

3 times last month and 5 the month before that. Yeah, it's very common KathyW.....

scottishphototours

4 hours later and no takers?... oh well, better confess that the last comment was a joke!

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