With product offerings for professions ranging from Fashion and Wedding Photographers to Photography Editors, our insurances are specifically tailored to the needs of the photography industry and are underwritten by some of the biggest insurers in the UK. Here at Larsen Howie, we help you to protect your business so you can do what you love with peace of mind. We offer a huge range of insurances, from Professional Indemnity and Public (& Employers) Liability to IR35 Tax Investigation & Liabilities.
|Photography professions we insure online|
|Corporate and Event Photographer||Portrait Photographer|
|Investigative Photographer||Wedding Photographer|
If your profession isn't in the list above, we could still cover you.
Please call us on 01163 800 400 or email us for a personalised quote.
What insurances do Photography contractors need?
Professional indemnity insurance (often referred to as PI) is one of the fundamental types of insurance for freelancers or contractors. Our PI policy protects you and your business, should your client allege that you’ve made an error or omission in your services. This can include inadequate advice given, negligence or flawed designs. It also covers legal expenses when defending the claim, or any compensation needed to fix the problem.
Public liability insurance Public Liability (PL) insurance covers the cost of a claim made by a client or a member of the public that has suffered injury or property damage as a result of work you’ve done, i.e. you may leave a tripod out and a client could trip, injuring themselves. While this may not seem necessary if you’re a home-based Photography contractor, it’s worth having even if you rarely work from a client’s office.
An IR35 Contract Review protects you from potentially being caught by IR35. IR35, or the Off-Payroll Working Rules, has been reintroduced to challenge possible avoidance of tax and NI contributions. In particular, HMRC is looking for so-called ‘disguised employees’ who gain and carry out work via partnerships and limited companies. This makes Photography contractors, freelancers and consultants prime targets for investigation. If you find yourself being investigated under IR35, HMRC will ask you to prove that you’re NOT an employee - this is where a preemptive contract review will be invaluable. We can also provide you with one of the UK’s leading tax experts for IR35 training or as a defence should you have to go to trial.
|Articles you may find useful...|
|Do I need Professional Indemnity insurance?||What is IR35? A complete guide||Tax, legal and insurance jargon buster for contractors|