Summer is here, which means it is Wedding Season!!

Posted by on Jul 15, 2014 in Blog

Summer is here, which means it is Wedding Season!!

Public/Products Liability – €7 million

Public and Products Liability protects you for your legal liability for injury to third parties (other than employees), and damage to property. Imagine the consequences if you are held legally liable for injury or damage to a third party or their property. This can range from a guest at the wedding tripping over a lead and injuring themselves, to your tripod falling over and smashing a window in the hotel where the reception is being held. The standard cover (called limit of indemnity), is €7,000,000 each and every claim (in total per policy period in respect of Products Liability). You need to be careful as some insurers out their offer €2.6 million but most Irish venues such as hotels and parks will require a minimum of €6.5 million, so please be aware of this before purchasing your insurance. The last thing you want is to get a job and then have to pay an additional premium to increase the cover just so you can do your job!


Professional Indemnity – €150,000

As soon as you agree to do a shoot you are contractually obliged to produce photos to an acceptable standard. It is a fact of modern life that more and more people are willing to take matters to court and claim compensation if they are not satisfied with their photos, or if there were other problems on the day of the shoot. Even if you are found not to be at fault, solicitors’ costs in defending yourself alone can be exorbitant. Professional Indemnity Insurance will provide you with this essential protection.


When you hold Professional Indemnity Insurance with us you can have peace of mind knowing that you are covered for:

  • Camera malfunction
  • Breach of copyright
  • Loss or damage to your work caused by either you or your processing lab
  • Operator error
  • Plagiarism
  • Libel and slander


This cover is very important for wedding photographers and I would recommend any wedding photographer to take out this insurance. Imagine you shoot a weeding and the next day the memory card is corrupt and you have no images?!? (Hopefully this never happens to any of you out there!!) This cover will make sure you are covered in event like that.


Employers Liability – €15,000,000

Employers’ liability insurance protects you against your legal liability for injury, illness or disease to any employee, including directors of limited companies, labour only sub-contractors and persons under work experience or training schemes.


Material Damage

And lastly, the cover for the equipment you couldn’t do the job without!! We cover equipment on a new for old basis, so if you damage a piece of equipment and it is not repairable or if it is stolen/lost we will replace it with a brand new piece of equipment. The cover we provide is all risks. This means you are covered for accidental damage, theft and loss. There is no point in insuring all the other aspects and not your equipment, if something was to happen to your equipment you couldn’t do your job and ultimately wouldn’t need the other aspects of cover in the first place!


If you are interested in a quote or have any questions, please call the office (01 8408060) and speak to one of our very knowledgeable team (Derek, Stephen or Elaine) who would be delighted to answer any questions you may have. Alternatively you can fill in a web enquiry and we pride ourselves in getting back to our clients within 24 hours.

Camera Insurance is a registered business name of the O'Loughlin Insurance Group.D O'Loughlin & Co Ltd. T/A O'Loughlin Insurance Group is regulated by the Central Bank of Ireland.
Registered in Dublin No. 104227. Registered Office: Little North Street, Swords, Co Dublin. Directors: Paul O'Loughlin, Michelle Richardson.

P O'Loughlin Financial Services Ltd. T/A O'Loughlin Insurance Group is regulated by the Central Bank of Ireland. O'Loughlin & Co. Limited T/A O'Loughlin Insurance Group is regulated by the Central Bank of Ireland.
Camera Insurance and Musician Insurance are registered trading names of D. O'Loughlin & Co. Limited. Business registration number - 496764