What is Employer's Liability Cover?

You’d be forgiven for not knowing much about employer's liability insurance. It’s one of the more obscure policy benefits that you can add to your photography insurance, but that certainly doesn’t make it any less useful or potential important to you and your business.

Simply put, employer's liability insurance covers your business should one of your employees fall ill or get injured whilst working for you.

Employers are held responsible for the health and safety of their employees whilst on shoots, both in the studio and in public spaces. Even something as simple as tripping over some equipment could lead to a claim – so having employers liability in place could help mitigate any potential accidents.

Is Employer's Liabilility Included as Standard?

At Eversure, we don’t offer employers liability as standard, you’ll need to add it manually to your cover, either in your standard photography insurance quote build or, if you just require our public liability-only cover, you can select it there too.

The reason we don’t offer it as standard is simply because the majority of our customers won’t require it – and as we’re not in the business of offering people cover they don’t need, we’ve kept it optional.

Do I Need Employer's Liability Cover?

Employer’s liability cover will only really apply to you if you are a professional photographer and employ people who work with you, either temporarily or on a permanent basis.

If this isn’t the case for you, then you don’t need to worry about it for now – but should your circumstances change, then it’s certainly something you’ll need to consider.

I've Still Got Some Questions...

No problem, you can check out our FAQs at the bottom of our Photography Insurance page for more answers.

Equally, you can get in touch with our fantastic customer service team by using our contact us form