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Professional Indemnity Insurance advice please.


ourdayphotos 2 229 Scotland
9 Dec 2012 6:05PM
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 11 1.8k 12 Norfolk Island
9 Dec 2012 6:22PM
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
User_Removed 10 17.9k 8 Norway
9 Dec 2012 6:29PM
Wot Kaffy said...

Especially this bit -


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


JD.

Wink
ourdayphotos 2 229 Scotland
9 Dec 2012 6:41PM
Thanks very much Kathy, I've been on & checked them out. Does 203 pa sound about right?

Stu.
thewilliam 6 4.8k
9 Dec 2012 7:02PM
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 2 229 Scotland
9 Dec 2012 7:23PM

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 10 2.6k 2 Scotland
9 Dec 2012 7:38PM
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 e2
10 4.1k 22 United Kingdom
9 Dec 2012 7:46PM
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.
MikeRC e2
9 3.5k United Kingdom
9 Dec 2012 7:48PM

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


....and you can't afford not to be either Smile
ourdayphotos 2 229 Scotland
9 Dec 2012 7:54PM

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 10 2.6k 2 Scotland
9 Dec 2012 9:20PM

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 2 229 Scotland
9 Dec 2012 9:47PM
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 11 1.8k 12 Norfolk Island
9 Dec 2012 10:56PM

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 10 2.6k 2 Scotland
10 Dec 2012 12:44PM

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 10 2.6k 2 Scotland
10 Dec 2012 4:18PM
4 hours later and no takers?... oh well, better confess that the last comment was a joke!

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