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Snapping Your Way To Bigger Things

Owning a photography business isn’t always easy. Regardless of whether you work solo or own your own photography company, there are a great many stresses involved with your job. You face a range of risks every day, which means you need a policy that caters to those risks.

Here at Tradesman Saver, we’ve understand that your business is unique, and therefore a generic insurance policy won’t cut it. We’ve worked with businesses like yours and used our industry expertise to design a policy specific to you. Customise with our online quote form for a policy that works as hard as you do.

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Photographers Insurance Automatic Covers

Public Liability

Public Liability

Business Protection From All Manner Of Accidents

Accidents do happen – they’re a part of running a business. Whether it’s a member of the public tripping over your tools or damage to a client’s house, there are some accidents that are simply unavoidable. No matter how careful you try to be, sometimes life just has to throw a curveball at you.

Public liability cover was designed exactly for these types of unforeseen accidents. The cornerstone of any trade insurance policy, it offers essential protection against claims made by customers or members of the public for an injury they suffered, or damage to their property caused by you or your business.


The Limits Of Public Liability: What Do You Get?

Our standard cover is:

  • Up to £5 million public & products liability
  • PLUS £10,000 financial loss cover (with an option to increase to £50K – read more below)
  • PLUS worldwide liability cover for temporary work abroad (up to 14 days – excluding the USA and Canada)

Our policy automatically comes with an indemnity limit of £1 million public liability cover, with an option to increase this to £2 million or £5 million. The indemnity limit is the maximum amount the insurance company will pay in the event of any one public liability insurance claim. Some of our customers do require a minimum amount of public liability cover (for example, local authorities tend to ask for £5 million). If you need more than £5 million in cover, feel free to give us a call and we’d be more than happy to arrange whatever cover you require.

It’s also worth noting that our public liability cover also includes cover for the products you supply – for further details, please visit our product liability insurance page.

Financial loss cover is an extension that will be provided automatically with your public liability cover, at no additional cost. It provides protection in the event that a customer suffers a financial loss not caused by injury, or property damage. Any financial loss caused by injury or property damage would be covered under the public liability section of your policy.

Financial Loss

Financial Loss

Protection For Your Business Against Financial Loss Claims

Sometimes, in the trade business, accidents happen — they’re an unfortunate part of life in the business world. But injury or damage to a customer, their property or a member of the public isn’t the only unintended consequence of an accident – sometimes, you might be faced with another business suffering financial loss as the result of the actions of your business. These types of claims can easily run you into the tens of thousands without the proper insurance in place.

Financial loss insurance is designed to protect against claims like these. They protect businesses against financial loss caused to a third party NOT as a direct consequence of accidental physical loss of, or damage to, material property. This means that, in the event your business were to be faced with a claim for financial loss, these costs would be met by your insurer.

If a customer suffers a financial loss as a result of an injury caused to them or damage to their property, this would be covered under your public liability insurance. But, if there is no injury or damage, you would need cover for financial loss to settle the claim.

An example of where financial loss insurance was a life saver was in the case of a flooring contractor who was contracted to lay a new floor in a warehouse. The contractor did not follow the spec and laid a floor which was not fit for purpose. As a result, the floor needed to be re-laid which delayed delivery of a new machine. The client was liable for additional storage costs and transportation costs for the new machine due to the delays. These additional costs were met by a financial loss insurance policy.

Products Liability

Products Liability

What Is Products Liability Insurance?

Products liability insurance provides cover for your business against damages awarded if a product that you make or supply causes personal injury or damage to property.

Do I Need Products Liability Insurance?

If you manufacture or supply a product, then you are legally responsible for any injury or damage caused by it. Even if you didn’t manufacture it, if you supply a faulty product to a customer, they may try to sue you initially. You will be at risk of compensation claims if: the name of your business is on the product, the manufacturing company cannot be clearly identified or is no longer trading, you change or repair the product, or if the product was brought into the UK from outside Europe. In these circumstances, product liability insurance would give your business financial protection.

Is Products Liability Insurance a Legal Requirement?

No, generally speaking, products liability insurance is not compulsory. However, if a product that you sell, or give away, happens to be defective, it could cause serious damage and sometimes a fault may not come to light until the product hits the market and starts to be used by the consumer. So products liability insurance could be a low-cost safety net for your business.

Do I Pay Extra for Products Liability Insurance with Tradesman Saver?

No, our Tradesman Saver policy includes public and product liability insurance cover automatically.

How Much Products Liability Insurance Will I Get?

The indemnity limit for products liability insurance is £1million with the option to increase to £2million or £5million. This is the maximum amount the insurance company will pay in any one period of insurance (usually a period of 12 months). Please ask us if you think you need a higher limit and we will make the necessary arrangements for you.

When Products Liability Insurance paid off

A central heating engineer fitted a pump to a boiler which turned out to be faulty and as a result, it caused a flood resulting in major damage. The claim was dealt with by the engineer’s Tradesman Saver policy and was then passed back to the manufacturer of the pump.

A large number of tradesmen and professionals supply many different types of products to their customers that they don’t manufacture themselves but which, nevertheless, could cause injury or damage that they could be held responsible for if the product was faulty. Remember, you get product liability insurance automatically with Tradesman Saver.

Legal Expenses Accidental Death

Accidental Death

Essential Cover For You and Your Staff

Provides a lump sum payment of £10,000 following accidental death of you or any of your employees covered by this policy caused by a sudden, unexpected event.

Photographers Insurance Optional Covers

Employers Liability

Employers Liability

Your Staff Aren’t Invincible

When you’re running a trade business and employing staff, the last thing you need to worry about is your staff getting injured on the job. Not only does it dent your profits while they’re out of action, but worse still, a compensation claim could potentially cost you from the tens of thousands into the millions, if someone were to die as a result.

Employer’s liability insurance acts as a buffer for these unexpected circumstances. Instead of having to pay a claim from your own pocket, if you include employer’s liability as part of your cover, you’ll be covered by your policy and your insurer will pay the costs for you. This leaves you free to focus on the day-to-day running of your business, while we watch out for what’s coming on the road ahead.

Unlike public liability, employer’s liability cover is not an automatic cover, but it can be added onto any standard Tradesman Saver policy if you need it.


The Legalities Of Employer’s Liability: Do You Really Need It?

For anybody running a business and employing staff or using labour-only sub-contractors, employer’s liability is legally required by law. There are, however, a few exceptions worth noting though.

If your business is a Limited Company which has only one employee who owns 50% or more of the issued share capital in the company, then you aren’t obliged to take out employer’s liability insurance. If your business isn’t a Limited Company and either, a.) you’re the only employee, or b.) you only employee close family members, then once again, employer’s liability insurance isn’t compulsory. However, even in these exempt circumstances, having it is still advised, as it can provide a safety net in case of an unforeseen accident.


The Limits Of Employer’s Liability: What Do You Get?

Our standard cover is:

  • £10 million employer’s liability cover

You can even add cover for working partners or cover for temporary staff as optional extensions to your employer’s Liability cover. Our policy is designed for a maximum of 10 manual employees, exceding working partners and clerical staff (if you have more than 10 employees, please contact us directly and we’d be glad to arrange whatever cover you require).

Tools / Equipment

Tools / Equipment

Don’t Be A Tool: Protect Your Tools & Equipment

When you’re running a business, you know the most important things you need to do your work are your tools and equipment. Whether you work as a carpenter or consultant, or a plumber or photographer, you’ll know that you wouldn’t be able to carry out vital work without them. They’re the lifeblood of your business, which makes covering them an absolute essential.

Our tools & equipment cover offers protection from theft and damage, so in the event the worst should happen, you won’t find yourself run out of pocket for the replacements. We have varying levels of cover to accommodate big and small businesses, which means you can focus on keeping things running smoothly, while we look out for the bumps in the road along the way.


Tools & Equipment Insurance: What’s Included In Your Cover?

Our policy provides from between £1,000 and £5,000 cover per person for your tools and equipment. You can tailor your policy to your specific needs and choose the amount of insurance you want, in steps of £500, which means you’ll always pay the lowest possible price for the cover you need.

Business Contents

Business Contents

What Is Business Contents Insurance?

Business contents insurance is designed to cover items other than the tools and equipment that you use for your trade or profession; for example, PCs, desks, furniture, photocopiers, fax machines, telephone systems etc. Tradesman Saver gives you wide, all risks cover for these necessary things. If the unexpected should happen and they were stolen, destroyed or damaged, then business contents insurance will protect you.

Why Do I Need Business Contents Insurance?

You almost certainly rely on your items of business contents for the smooth running of your business, but some people tend to overlook them when then they think about their insurance and tend to focus more on other cover such as public liability and their tools or equipment. However, it would almost certainly disrupt your business if you were suddenly left without them – especially if you had no business contents insurance. Finding the money to replace them could be a great strain on your business and it’s a problem that you can avoid by including business contents insurance in your policy.

How Much Business Contents Insurance Cover Will I Get?

You can have up to up to £20,000 cover for loss or damage to business contents stored at your premises and used in connection with your business. The level of cover for business contents insurance starts at £5,000 and you can increase it in steps of £5,000.

What Is The Cost of Business Contents Insurance Cover?

The cost of business contents insurance starts at less than £15 per year but it will depend on the amount of cover you choose and the area your premises are in.

Do I Get Business Contents Insurance Automatically?

No, unlike other covers that you get automatically with Tradesman Saver like public liability, products liability and legal expenses cover, business contents insurance is optional. You can add it as you go through the quote process if you want to include it.

Personal Accident

Personal Accident

What is Personal Accident Insurance?

Personal Accident cover will provide you with a lump sum payment in the event that you cannot work on a permanent basis or suffer a major fracture or dislocation, and is available for you and your employees aged between 16 and 70.

Cover is on a worldwide basis and operates 24 hours a day.

What Cover Do I Get With Personal Accident Insurance?

The Limits of Cover you will be provided will be:

Description Benefit
Accidental Death £50,000
Permanent Total Disability £100,000
Quadriplegia £200,000
Paraplegia £100,000
Permanent loss of sight in both eyes £50,000
Permanent loss of use of two limbs £50,000
Permanent loss of sight in one eye £25,000
Permanent loss of use of one limb £25,000
Permanent loss of speech £25,000
Permanent loss of hearing in both ears £25,000
Permanent loss of hearing in one ear £10,000
Burns £2,500
Permanent loss of use of:  
A shoulder, elbow, hip, knee, thumb, wrist or ankle £10,000
Any finger or big toe £5000
Any other toe £1000
Hospitalisation:  
Hospitalisation (Maximum 45 days and after a minimum 24 hours) £100
Extended hospitalisation (for stays longer than 14 days) £1000
A major fracture of:  
Upper leg; vertebral body; Pelvis; Skull £500
Vertebra other than vertebral body; lower leg; lower jaw; breastbone; shoulder blade; kneecap; upper arm; lower arm £250
Lower leg; hand (metacarpals); foot (metatarsals); clavicle; coccyx; wrist (carpals) and Colles’ fracture ankle (tarsals) & Pott’s fracture £100
Dislocation of:  
Spine; back; hip £250
Knee; ankle; shoulder or collar bone; elbow; wrist £100
Any other joint £50

What if I need extra cover?

Should the standard limits of cover not meet your requirements, please contact us to arrange a separate Personal Accident &/or Sickness policy.

Short Term Income Protection

Short Term Income Protection

What Is Short Term Income Protection?

If you are unable to work as a result of an accident or sickness, how would you pay your bills? Available in conjunction with Personal Accident Cover, our Short Term Income Protection (including Sickness) cover, provides you with protection in the event of you not being able to work as a result of an illness or an accident.

What Cover Do I Get With Short Term Income Protection?

In the event that you are unable to work as a result of accident or sickness, we will pay £250 Per Week or your gross weekly income — whichever is less, up to a maximum of 12 months

What if i need extra cover?

Should the standard limits of cover not meet your requirements, please contact us to arrange a separate Personal Accident &/or Sickness policy.

Can’t fault the cost. No other company could offer the same level of cover for the price.

Chris Doyle

Very easy site to use and very competitive. Friendly all from the administration staff after on line quote . All in all pleased at the service so far.

Dermot Devlin

Online & anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Cover is instant

No need to wait for your documents. You’re covered from the moment you purchase.

Added protection

Products liability, legal expenses and accidental death cover as standard on every policy.

Monthly instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Photographer’s Public Liability Insurance

Purchasing photographer’s insurance can be a bit of a mission. It can be hard enough to find insurance at a reasonable price, but when you start researching into the subject, the sheer volume of insurance terminology to contend with can quickly turn it into an arduous task – which is particularly annoying when you want to just focus on running and growing your business. Fortunately, there’s only one insurance cover you really need to know about to make the right choice when buying your insurance, and that’s public liability insurance. Public liability insurance is imperative when you’re taking out photographer’s insurance – it’s essentially the bread and butter of your insurance sandwich, and it helps to make all the other components work in unison by covering the bulkload of any potential claims you might come up against. Simply put, it covers injury to third parties and any damage to their property, and it can be applied to both clients and members of the public. It covers situations like clients tripping over your equipment, and it’s a really essential cover for the continued health and success of your business.

photographer holding large camera with strap by his side

It Shouldn’t Happen To A Photographer

Here are some examples of claims:

 

Example 1

You’re taking photos at a wedding and have your tripod out to take a bridal group shot. You place it to one side after you’re done, to take photos free-hand, but unfortunately one of the guests trips over your tripod, injuring themselves. They sue you for compensation. Fortunately, your public liability insurance can really help here – it will cover the costs of the compensation and legal costs for you, so you don’t get left out of pocket.

Example 2

You’re hired to be the photographer at an event. You nip to the toilet and leave your camera in your equipment bag, but when you return, you find your camera is missing. Your tools & equipment insurance is your saving grace in this situation – your insurer will pay out the cost of replacing your equipment, so your business doesn’t have to suffer because someone else has sticky fingers.

Our Reviews

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on Jul 4th

Easy and fast to use, phoned with a question and was dealt with very quickly. Will use again and recommend.

on Jul 4th

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on Jul 2nd
*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2019 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.Registered in England No 1842617 Insurance Brokers. All rights reserved.
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