We pride ourselves on helping you to get exactly the right cover for your needs, and avoid unnecessary stress. We find that there is often some confusion between Professional Indemnity and Production Insurance. We’re going to explain just how different they are.
Professional Indemnity insurance
Professional indemnity Insurance covers you and your employees (whether they are permanent or freelance staff) in cases of professional negligence. These tend to be matters within your control.
The instances of negligence in the photography industry may vary from:
Mistakes made by you while carrying out work for a client, for example, if a shoot does not meet the expectations of a brief.
Breaches of intellectual property and copyright. For example, cases where an image, or piece of music have been used by you in error without obtaining the necessary clearances.
Losing documents or data. If you lose confidential information belonging to a client this could result in a breach of confidentiality claim.
Production Insurance/re-shoot is for matters outside your control.
Some instances of claims may vary from:
Computer and photographic equipment being damaged during a shoot, resulting in postponement or delays.
A piece of kit is stolen, interrupting production.
The unexpected cancellation of a production.
Corruption of digital images during or shortly after production that you have not had time to back up.
If you would like advice about your cover, please get in touch with us – we are always happy to discuss your options.
We hope this is useful information. Williamson Carson are experts in insurance and passionate about supporting the creative industries.Discover how we can help protect you from risk, with bespoke cover for your industry. Contact us now if you’d like discuss securing insurance for your business. Read more insights and interviews by Williamson Carson.