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If you supply photo booths to weddings, parties and events, insurance can keep your business covered while the partygoers practise their poses.
Photo booth insurance from Simply Business can include both public liability insurance and professional indemnity insurance, so that you’re protected if someone makes a compensation claim against you, plus business equipment insurance to cover the booth and camera in case of damage.
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Public liability and professional indemnity insurance are not required by law, but some clients may check that you’ve got insurance before they work with you, and contracts may specify a particular level of cover.
You can cover your equipment (the booths and cameras themselves) by adding business equipment insurance to your policy. As long as the photo booths aren’t left unattended, this insurance can pay replacement or repair costs if your equipment is lost, damaged or stolen. Make sure you calculate the value accurately so that you’re fully covered if you need to make a claim.
Plus, if your business has employees, you’re usually legally required to have employers’ liability insurance. You can face steep fines if you don’t have this cover in place.
Public liability insurance can protect your photo booth business if you’re blamed for injury to a member of the public or damage to their possessions. Imagine a guest twists their ankle on a loose piece of flooring in the booth and makes a compensation claim against you. Your public liability insurance could cover the compensation costs and legal fees, up to the limit of your policy. We offer £1 million to £10 million of cover.
Professional indemnity insurance is another key consideration for photo booth companies. Imagine a booth is hired for a corporate party but the equipment goes wrong and all the photos from the day are lost. The company could then sue you for failing to deliver the service you promised. Your professional indemnity insurance could pay the legal costs and compensation payments, up to the limit of your policy.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.