Fotogenic Photography Insurance

A comprehensive insurance package tailored to your individual requirements

 

Our Exclusive Scheme is available to you provided that your main business activity is 'Photographer'. Including Professional, Semi-Professional, Amateur, Photo Journalist or Amateur Video Maker.

 

Cover available for many hazardous or unusual assignments (subject to approval by insurers).

Assignments up to £200,000 automatically insured (assignments over £200,000 subject to approval by insurers).

 

A brief summary of covers available;

 

Cover 

Limit of Indemnity / Sum Insured 

Policy Excesses 
Professional Indemnity Insurance £250,000 Each & Every Claim  £250 Each & Every Claim, Inclusive of Costs and Expenses
Public & Products Liability £1,000,000 (£2m or £5m uplift available upon request and subject to additional premium)  £100 Third Party Property Damage Excess
Property Away No Minimum Sum Insured £200. Increased to £300 for Theft from Unattended Vehicles
Employers Liability Insurance £10,000,000 Nil
Buildings, Including Tenants Improvements & Loss of Rent No Minimum Sum Insured £250. Increased to £1,000 in respect of Subsidence

Contents Premises Only; Technical Equipment; Computer Equipment; All Other Contents

No Minimum Sum Insured  £200
Business Interruption Either Gross Profit or Increased Costs of Working Nil
Personal Accident & Illness Death & Capital Benefits 14 Day Deferment Period
Commercial Legal Expenses £100,000 Each & Every Claim Including Defence Costs £200 Applies to Aspect Claims

 

 

 

 

 

 

 

 

 

 

 

Summary of Key Benefits

  • Equipment insured against ‘All Risks’ including Accidental Damage & Theft
  • 45 Days Worldwide Cover
  • Equipment in unattended cars automatically insured with no inner limit
  • Computer Equipment Breakdown up to £5,000
  • Reconstitution / Reinstatement of Programmes and Data to include Images up to £5,000
  • Automatic policy cover for lost or damaged Portfolios
  • Hired In Equipment (Including up to £500 to hire replacement equipment following a claim)

Option 1

Professional Indemnity Policy Wording

Option 2
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Option 3
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