When it comes to insurance the question to answer is “Why Bother?” The always accessible and interesting blog over at PhotoShelter has released a new guide, this time tackling insurance. It’s always a bit of a gamble taking out insurance and often feels like it’s throwing money down the drain, since unless its a major claim the hassle it takes to recover small charges makes it seem like it’s not worth pursuing. Then again, the irregular story of a photog discovering their kit has been pilfered from their locked car is a sober reminder of how unlike with other people the means by which a photographer can earn a living can suddenly be jeopardized.
Covering the basics from terminology to type of policy it discusses all aspects of insurance for the savy snapper, and how much cover it is necessary for you to be taking out. Understanding the difference between superficial and solid when it comes to your policy is of the highest importance. This guide provides personal stories alongside revealing tips from insurance insiders about how insurers may work against you if you do claim. Coming from a website that deals with creating fantastic looking websites the guide is visually accessible and makes for quick and easy reading. Photoshelter promise:
In this new guide, you’ll learn:
- Basic insurance lingo you should know
- Insurance policies to consider as a working photographer
- Tips from insurance experts to help you navigate your options
- Examples of when to file a claim
- Additional resources to help you make smart decisions for your business
- Plus more!
And they deliver on that promise. The other reason to grab this guide and keep it in the bag is that it’s very resource heavy. The guide provides links to where you can find the direct source of their information making a good starting point next time your policy is up for renewal. For those in North America it includes the names of policy providers who specialize in the catering to the needs of photogs from short term to long term cover.
Do you bother with insurance when out on a shoot? How much cover do you opt for?