articles/Insurance/aquestionofinsurance-page5

A question of insurance - part 5 of 1 2 3 4 5 6

Published 01/11/2008

Legal Expenses Cover

If you are a member, the Society pays a contribution towards a free legal helpline for all UK- and Ireland-based members to help you out with immediate questions that need answering. This cover, however, will only provide answers to questions over the phone to assist you - if you still need to take 'action' or defend yourself then you will need to instruct legal counsel and this can be time consuming and costly with the average legal fees from a solicitor now starting at around £100 per hour or more.

Some photographer find it inconceivable that they need this cover but with the price being less than £24 per year for over £100,000 worth of cover offered as a bolt on - is it something that is worth taking the risk on?

What would you do if you found someone was using your images on their web pages and refused to remove them? If you had an unannounced tax or VAT inspection from Revenue and Customs? You had been prosecuted by the police and needed to defend yourself against criminal charges? A health & safety complaint?

What if someone made an official complaint against you and you were summoned to appear before your governing body to explain? This cover would include professional representation to argue your case.

There is always an element of legal costs in professional indemnity if someone is using you for the failure to produce work, but on the other hand what if you have to sue someone for failing to produce work or even worse, failing to pay? This legal cover gives you the certainty of professional advice and assistance, leaving you the time to get on with running your own business. Time is money and, as a photographer - particularly if you are a 'one man band' - then you don't want to spend time filling in court papers, answering emails and generally chasing people or trying to defend yourself when you could be out earning income. This cover helps avoid that.

• A question of insurance page 1
  
• A question of insurance page 2
  
• A question of insurance page 3
  
• A question of insurance page 4
  
• A question of insurance page 5
  
• A question of insurance page 6
  

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