Photographers

What insurance do I need?

You can choose the right level of cover from our insurance policies. We offer:

• Professional indemnity insurance

  Professional Indemnity insurance provides protection for your business if a client is unhappy with your work or advice and covers legal defence costs and expenses as well as damages should your client’s claim be successful.

  Professional indemnity insurance can cover you for mistakes including professional negligence, unintentional breaches of copyright or confidentiality, Data Protection Legislation Prosecution Defence Costs and Loss or Damage Documents.

  It is important for any freelancer or contractor who provides professional advice or carries out design work for clients.

  Our policy provides cover from £50,000 to £5,000,000.

• Business combined insurance

  A business combined insurance package provides essential protection for your business, incorporating all the necessary liability insurance and cover for office equipment including laptops and mobile phones.

  In addition our package also provides protection for you as individuals by providing Directors & Officers liability insurance.

  Our insurance package includes:

  • Employers Liability
  • Public Liability
  • Office Contents
  • Directors & Officers Liability

  Call us for more information on 0161 833 2100

• Personal Accident & Sickness Insurance

  Working as a Freelancer or Contractor has many benefits but unfortunately they do not extend to sick pay. If you can’t work you can’t earn money. This is why we feel one of the most important insurance products is Personal Accident and Sickness. This insurance takes care of you when you need it most.

  Take a look at some of the incidents that have impacted our freelance and contractor clients in the past.

  • Freelancer had coronary artery bypass surgery, £2,614.29 paid in sickness benefit.
  • Freelancer banged his head and affected his sight, £7,799.46 paid in TTD benefit.
  • Freelancer has been unable to work for a short period due to illness, £342.86 paid in sickness benefit.

  Our policy provides you with cover 24/7, meaning you are insured at work, home, play and whilst commuting giving you peace of mind so you can get on with what you do best.

• Travel Insurance

  You may also want to consider Travel Insurance especially as Freelancers and Contractors travel for work 3 times more often than others. Our annual Business Travel & Holiday insurance provides cover for you and your family, for unlimited worldwide business and holiday trips. Injuries are far more likely to occur at work or travelling to & from work.

• Tax Enquiry & Legal Expenses

  This policy provides legal defence costs as well as cover for contract disputes, debt recovery, tax, VAT and HMRC investigations. Also provided is a free 24/7 legal advice line.

  As a freelancer or contractor, holding a Tax Enquiry and Legal Expenses policy to protect you against the costs of an IR35 investigation could be key to the survival of your business.

  When HMRC begin an IR35 investigation into your limited company they can request a great deal of information including evidence to support your IR35 status. It is important that you have an expert handling your case to guide you through the process and ensure all documentation is correct. By having a Tax Enquiry & Legal Expenses policy in place it will give you peace of mind that your investigation is being both handled and represented by a professional in the industry when you need it most.