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Professional indemnity protects your financial interests if you find yourself in a dispute with a client over work you have done, or where you have failed to uphold your duty of care or been negligent.
Claims can occur where a client suffers a loss as a result of alleged errors or omissions on your part and professional indemnity cover will pay the cost of defending the claim, as well as including any damages that become payable.
Good examples of the situations where professional indemnity would be beneficial would be:
- You turn up at a photo shoot without your camera and your client has to pay for additional studio time. You may be liable for the cost of re-shooting the event.
- You shoot a wedding and accidentally wipe your digital storage media, losing all of their pictures. That couple would most likely be requiring a significant amount of compensation.
Indemnityguard has a flexible choice of cover: £25,000, £50,000, £100,000 and £250,000 so you can choose a level of cover that is right for you. You can upgrade your cover at any time.
What isn't covered?
With any insurance product there are situations or areas that aren't covered - we provide you with a full list of policy exclusions. Here are some examples of the events not covered by Indemnityguard:
- Claims or circumstances known, or which should have been known, at inception of the policy
- Bodily injury and propery damage other than arising from the Insured's negligence
- Data corruption, erasure or loss of access to data caused by computer virus
- Loss, distortion or erasure of computer records unless caused by a negligent act by you
- Breach of your obligations under any contract of employment
Do you have equipment to insure?
If you have photographic equipment to insure and require public liability cover, have a look at our Photoguard website for our flexible photography insurance cover.
Do you want to insure against public liability?
Have at look at our Liabilityguard website which can provide up to £5m of cover for any legal liability arising out of damage or injury to third parties or their property.
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