Is there anyone who can afford to predict a misfortune with any appreciable degree of accuracy? No? So, who doesn’t need insurance? No matter how you feel about the subject, let’s face it, we all need insurance. And in saying that, I’m not just echoing the sales pitch of an overzealous insurance agent eager to sell you a policy, but am only stating a fact and voicing my belief. Everyone needs to have some sort of an insurance cover. And photographers are no exception. Be it photographers risk insurance, or a liability insurance covering the professional from unforeseen circumstances associated with this profession, a photographers insurance is a must.
Photography can be an expensive hobby if you choose it that way. And as a profession, it surely demands for expert understanding and finesse! Photographers are required to handle very expensive equipment in the course of their work. Even the most innocuous looking filter can cost a neat little fortune, let alone all the hi-tech cameras, digital SLRs, lens, lights, meters and other accessories. Handling all these hi-end, expensive stuffs would have been fine if photographers could keep themselves confined to their studios alone. However, nature photographers or sports photographers rarely get to enjoy that luxury. They are frequently required to take their equipment out in the open where there is little security. A simple insurance cover, under such circumstances, can easily save them from having to worry about all their costly tools of the trade from getting damaged, stolen or lost, and let them focus on the subject in hand.
However, more from the tools, it is the skill of the photographer that earns him repute. With increasing popularity, the involvement of the photographers, especially if the professional is working for free, also increases. And the more the involvement becomes the more gets the risk associated with delivering the service on time and as per the expectations of the client. Professional liability insurance for photographers lays the right support here. It covers the photographer professional from clients’ claim of financial equivalent to the loss suffered due to negligent act, error or omission committed while performing a duty.
And then, with career, ‘life’ could also be in danger for a photographer. Action photographers or aerial photographers need special photographers insurance to keep them covered against possible mishaps. There are special insurance policies and schemes available for those involved in aerial, marine, mast, glamour or press or motor, seasonal or sports photography. Most photographers’ insurance schemes also cover videographers who are required to shoot in various life-threatening locations.
To be simply put, if you are a professional photographer, photographers insurance lets you to enjoy working unhindered.
