How to get the most from your business insurance claim
In photography, timing is everything. So, it’s absolutely essential that you have all the gear you need in good working order, ready to get the shot you need.
A spanner in the works could cost you:
- The shot
- The contract
- Your reputation
- Worst case: legal fees
It’s important to make sure you have rock-solid business continuity plans to get you back up and running fast when something goes wrong – and your insurance is a key part of this.
Aaduki’s top tips to prevent “curve-balls” slowing you down:
- Make sure your insurance covers the cost of hiring equipment whilst the claim is being processed.
- If you hire in equipment, make sure your insurance includes cover for “additional hire charges” – so you can access alternative equipment to complete your shoot.
- Store your equipment receipts (either physical or electronic) in a safe and easily accessible place in case you’re required to present them to the insurer as proof of ownership.
- Review the values of your equipment on a regular basis, and make sure you’re insured for the total replacement value to prevent any underinsurance. The last thing you need in a claim is a diffi cult conversation over what everything’s worth.
- Notify your insurer as quickly as possible when an incident occurs – this means you’ll have your equipment repaired or replaced as soon as possible.
- If you’re making a claim under your professional indemnity insurance (for example, for loss of wedding images, memory card corruption or hard drive failure), be sure to inform your insurer prior to telling your client anything has happened. We may be able to recover the data before the bride and groom know anything has gone wrong, thus protecting your reputation.
The Aaduki claims team is experienced and responsive – we understand your business and your priorities, can recommend repairers, and we’re on hand to help get you back in business when disaster strikes.
After decades of dealing with photographers, we can help with almost anything that comes our way – we look forward to speaking with you!
Aaduki and Aaduki Multimedia Insurance and Partners& are trading styles of Partners& Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales. No. 00497227. Registered office: MRIB House, 25 Amersham Hill, High Wycombe HP13 6NU. +44 (0) 3300 940177.
Related reading:
- Photography Insurance Claims Service: Why It Matters When Things Go Wrong
- Do photographers need professional indemnity insurance?
- Photography Insurance Claims Service: Why It Matters When Things Go Wrong
