SUMMARY
While often seen as a professional's necessity, camera insurance, especially public liability, is increasingly relevant for casual photographers. This type of insurance protects against causing harm to third parties or damage to property, such as tripping someone or scratching a floor. Many venues require proof of public liability cover, often at least £2 million, for event and wedding photography. Home insurance may not suffice, necessitating dedicated policies that can be surprisingly affordable and offer significant peace of mind.
TAKEAWAYS
Public liability insurance is crucial for casual photographers, not just pros.
It covers potential damage to property or injury to third parties during shoots.
Many venues require public liability cover for event and wedding photography.
Dedicated camera insurance policies are often necessary, as home insurance may not cover professional use or high-value items.