Tag: Public Liability

How does Public Liability differ from Professional Indemnity insurance?

In last month’s interview with Williamson Carson’s Director Matt Whinney, he explained that there is often confusion around Public Liability and Professional Indemnity insurance. The truth is these products couldn’t be more different.  We want to avoid anyone lacking the right cover should the worst happen. Here we will explain what they’re all about and why …

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Q&A with Williamson Carson’s Matt Whinney 

We caught up with Williamson Carson Director Matt Whinney to hear his insights on industry trends and pitfalls, and a very unusual request.  How long has Williamson Carson been serving the photography industry?  Just 37 years now – and counting. The industry has evolved dramatically during that time, how do you ensure you keep up …

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Insurance & your photography team; the low down

Assistants, runners, freelancers, permanent staff, we all know there’s a wide range of people working in the image making world. When it comes to a photographers’ liability insurance, exactly who is and isn’t covered?  The terminology around staffing can be quite confusing, we are here to clear up any misunderstanding. For insurance purposes, people working …

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What are the main risks faced by production companies?

We understand that productions vary wildly, whether you’re producing adverts, television programmes or film, there are always many moving parts. The one common feature is the motivation to get the job done without a hitch.  Juggling equipment, cast, crew and locations often leads to challenges along the way. Having robust production insurance in place offers …

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Insurance for Production and Photographic Shoots in the USA

If you’re planning a photographic shoot or production that will take place in the US, we’ve put together some frequently asked questions which will help you be well prepared and keep your business running smoothly.  If you have a production or shoot in the USA (or Canada for that matter), it is worth remembering that …

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What does your photography business look like in 2022?

Our industry was undoubtedly badly hit by covid, but things thankfully *touch wood* are gradually picking up again at last.  According to Format’s State of the Photography Industry Report 2022, 63.8% of photographers thought business was slower than expected in 2021, but 56.5% of photographers think business will get busier in 2022 – happy days.  …

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What to consider when shopping around for photography insurance

Whatever your specialism, you’ll need to think about what kind of insurance you need for the type of work you deliver. Do you work as part of a team, do you have a studio, what equipment do you use?  If you’re a fashion photographer, do you need to travel regularly? Is your equipment covered when …

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Your photography team – who is and isn’t covered?

There is often some confusion around whether subcontractors are covered under Photographers’ Liability Insurances.  First of all, we need to consider that there are two types of subcontractors; labour only subcontractors, and bona-fide subcontractors.  Labour only subcontractors These people are considered to be working under a contract of work. These would be such people as …

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How much is enough? Everything you need to know about Public Liability

Did you know that public liability is usually triggered by negligence. A Tom & Jerry style slip on a banana peel? Falling on a wet surface? A cup of tea knocked over a client’s laptop? These could all result in a claim.   Public liability protects businesses of all sizes, across all industries. It covers any …

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Post pandemic cover

With a reported 99% of photography businesses affected by Covid-19, our industry has been hugely hit. We understand the uncertainty, fear and frustration felt by photographers. During the course of the last two years many photographers thought it prudent to reduce their insurance cover on their equipment and/or their liabilities. Clearly this made sense as …

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I've been dealing with Williamson Carson for over 20 years having been introduced to them through the Association of Photographers of which I'm a member. When I've had a claim, however complex, it has been dealt with quickly and efficiently and they very much work for you. They really understand the industry and just happen to be a great bunch of people to deal with.

– Larry Bray

Tom Carson & Williamson Carson have been my insurance brokers for over 15 years. The advice and cover they provides is both comprehensive and realistic. Tom's many years insuring the photographic and film industry means he is never fazed when I throw him last minute curve balls on shoots & on the 2 occasions I have needed my insurance it was dealt with swiftly & professionally. I highly recommend Tom and his team.

– Katy Niker, Burnham Niker