The photographers activities are related with public. The photographer can be sued by the public for the bodily injuries or damages caused to the properties of the public by him. In order to face those incidents, it is advised for the photographers to get a public liability insurance. Apart from the public liability insurance, there are other types of insurances which are specifically designed for professionals, such as:
Professional indemnity insurance: This insurance can cover the cost of claims made against the person by clients who suffer financial loss as a result of bad advice or negligence in the work. Claims for this type can be expensive, and professional indemnity cover is therefore important for the business. Failure to have a policy in place could result in a claim against business so large that it could literally put the business out. Professional Indemnity Insurance also covers the advice and the actions given by photographers which may prove negative for the customers. Many photographers will have a risk of facing claims arising due to their actions, liable if their customers suffer losses.
It is also important for a photographer to have employers liability insurance to protect the business against the claims made by the employees. Employers liability for photographers can be obtained at reasonable prices by buying the policy which covers both the public and employers liability.
Finally one has to remember that cost of insurance policy is less than the costs of legal fees, cost of claims made by the customers.