photographer

Why bother with photography insurance? by Neil Alexander

The Lloyds TSB banking and insurance building at the heart of the City of London

 Today's blog post is on a subject that no serious or sane professional or hobbyist photographer should do without, and it's a topic that a lot of people find rather mundane and uninteresting.

As a professional photographer, your bags and bags of camera gear become the tools with which you make your livelihood, and as such you ought to do everything you can to protect it. Ok so you may not be great at putting those lens caps back on, and sometimes you find you have butter fingers when it comes to handling two grands worth of glass but if it were all to go missing what on earth would you do? How would you pay the mortgage or feed the kids if you had no camera at all?

If you are a studio photographer and your business model revolves around bricks and mortar premises, surely you ought to treat it the same as you would your home? If you have a mortgage on your home, then by law you have to have buildings insurance, with good reason.

A taxi driver has to make sure his cab is insured, a mechanic would be mental to not insure his tools, as would a plumber or an electrician.

Photographic insurance covers a variety of fields including:

Equipment insurance - covers against loss, theft, & damage to equipment. Professional Indemnity - covers you if you are found negligent or make a mistake which causes a client's business to suffer financial loss. Public Liability - covers your business' potential liabilities to third parties for personal injury or property damage if your business is found to be negligent. Employer's Liability - If you employ an assistant, or an office manager then you'll need to have employer's liability insurance. This'll protect you in event that one of your members of staff suffers an injury or accident. Loss of earnings / Business Interruption - If there's an interruption in normal business activities as a result of damage to your premises or equipment then this can cover a loss of earnings.

These are just some examples of the kinds of insurance you may need. InFocus Insurance provide a dedicated photography insurance service offering policies which cover everything from studios and their fixtures and fittings, to travel photographers who wander the globe.

However where InFocus excel is that if you need to phone them for what ever reason, you'll get straight through to a human, in an office, in Altrincham and not an answering service somewhere off in Eastern Europe where your only possible access to a real person is after going through so many voice prompts that you've lost the will to live by the time someone deems you worthy enough to take your call. In the unfortunate event that you need to make a claim, they'll steer you through the process doing their utmost to make sure that you get a prompt and accurate payout and that your day to day business is disrupted as little as possible.

With service like that, why would you trust one of the most important aspects of your business to anyone else?

Canary Wharf, London

Finally, many apologies for the lack of a post last week. I got so involved in the re-design of the website and it ended up taking up so much of my time, that before I knew it the blogging window had well and truly closed. On the plus side, the new design is much cleaner and far more intuitive to use. It's all thanks to Amanda Sosa Stone over at Agency Access with whom I had a great chat last week. I hope you like...

I am now Neil Alexander QGPP by Neil Alexander

Neil Alexander - Qualified Member of the Guild of Professional Photographers

Neil Alexander - Qualified Member of the Guild of Professional Photographers

 I don't sing my own praises too often, so on this rare occasion indulge me......

A couple of months back I joined up with the Guild of Professional Photographers over at www.photoguild.co.uk for several reasons; to join in their community, to aim for their accreditations, and for access to some of the marvellous discounts that they've arranged with associated photographic partners. However what with one thing and another, it's taken me a little time to get in my first submission for their Qualification award. So it was to my surprise on Wednesday that I received a phone call from Steve to inform me that I not only had I passed, but that I had passed with Merit - an honour that they have only granted to one other photographer this year.  Boy was I smiling.....

It entitles me to use the initials QGPP after my name, and adds a not insubstantial amount of kudos to my brand. For the inquisitive amongst you, this   PDF is the Portfolio that I submitted - please feel free to download and distribute. I am also now able to use the QGPP Logo on my website.

There is also a link here to download a copy of the press release below which will be going out to all the local media outlets.

QGPP Press release - Word Format    &  QGPP Press release - PDF

Finally for today, if you missed Tuesday's post, which was part 4 of my ingeniously titled Snappy Tips for Better Photos series, then head over here for an introduction to shooting landscapes.

Have a great weekend.

Neil

Selected from the web for May by Neil Alexander

I'm currently over in Malta working on some fresh travel imagery, and without anything significant prepared for the blog this is the best I could rustle up for today's post I'm afraid...A few interesting photography related items for May:

Back in Blighty early next week at which point normal service will be resumed....