Monthly Archives: October 2012

Professional Insurance for Photographers and Videographers

In today’s world of litigation it is highly advisable that all professional photographers and videographers are insured. Yes, it will mean building these costs into your prices, but in the long run it is more that worth it.

When considering a policy there is some very important things to consider, these are:

  1. Make sure you insure all your kit (absolutely everything) – even the back up kit!
  2. Make sure you list all your kit, including make, model and serial numbers and provide these to your insurers.
  3. Provide your insurers with an up-to-date list including the replacement costs on a regular basis.
  4. Most insurers only want you to provide details of items over 1000GBP, make sure you also give them details of all your kit regardless of price. This is especially the case if you own a laptop, they are the most common item stolen.

It is very important that your insurance policy is old for new!

A lot of individuals use their home insurance for policy cover. The main problem with this is that a household policy may not cover items left in unattended vehicles, or left unattended at venues. Because of this, we recommend using specialist photography and video insurers. Also make sure that your policy includes worldwide travel cover.

So what about public liability insurance?

If you earn a living from photography or videography then you need public liability insurance (PLI). PLI covers your liability for any damage you may cause to either property or another person. It should include cover up to 5 million GBP, anything less and it may not cover all the costs should an accident occur.

Again, only purchase PLI from a specialist broker because it will include cover in specific circumstances (i.e., someone else’s home) that high street brokers don’t.

Public Indemnity Insurance (PII)

If you are a wedding or commercial advertising photographer it is very important that you obtain PII. This insurance will cover you should a client commence litigation against you for failing to provide the professional services you have been paid to supply. A good policy will make sure that you are able to fund any claims made against you.

The Death of Photography

In today’s blog article, we talk about the photography industry since the introduction of digital – the death of photography! It is without doubt that the biggest threat to any professional photography business will come from amateur photographers and hobbyists. The market has changed dramatically, and it is only going to get worse as the increase in the number of people purchasing and learning digital photography. In addition to this, there is falling demand and hourly rates have lowered.

How does one survive?

Probably the best way to survive is to produce images that are in demand but are complex and advanced, so that amateurs are unable to replicate. This really applies to any commodity markets, you need to develop a unique selling proposition (USP) that a customer cannot source anywhere else. Learn to take great pictures using a complex lighting or advanced Photoshop techniques. This especially applies to wedding photography where there is increasing competition from amateurs and hobbyists entering the market. There is also a lack of trained eye expertise by consumers  meaning that they are unable to distinguish the difference between an amateur photographer offering their services for a few hundred pounds in comparison to a professional costing thousands.

A word of wisdom to the amateurs and hobbyists

If you are a keen photographer, so much so you fancy the prospect of being a pro photographer, whatever you do, do NOT offer your work for free. The reason photographers have had to lower their fees is that too many are willing to offer their services for next to nothing. By the time you become a pro, the ability to earn a living on a full-time basis will have diminished, and only the few who have been able to produce such high quality work will be in such a position.

By offering your services for free, you are indicating that your services are not worth it in the first instance. In addition to this, those customers who have received such benefits will only bring others to your door who want the same discount  – if you have given your services for free, they will not want to pay! Whereas, a happy customer who has spent 1K with you, will spread positive communications which in turn will bring other 1K paying customers.

This articles was contributed by David Vidgen on behalf of hectorphotography.com

Canon EOS 5d Mark III Review

The Canon EOS 5d Mark III is a full frame 22.3 mega pixel camera will full HD video capability. It has superb build quality, thus can handle all the elements such as rain, far greater than the cheaper alternatives.

The Mark III features two card slots. One for a compact flash and the other for SD. It features a slightly larger 3.2″ preview screen than its predecessor, plus a real bonus is that it uses the same batteries and charger, so no need to upgrade the peripherals.

One very friendly new feature is the ability to rate images using the star system. This means that you can easily earmark quality images in camera ready to be exported for post production workflow.

Much of the improvements made with this camera is in the quality of the CMOS senser. Canon have worked well on this model by focusing their attention on the quality of the pixels, particularly in low light conditions. This is particularly useful for wedding photographers such as bigdayphotographer who often have to shoot in low light conditions such as churches where the use of flash is often not permitted.

Another great little function is the visual camera level. This will help those photographers who have a habit of shooting images that are slightly skew or tilted.

The only thumbs down is the price. Currently at 3,000 GBP

This article was written by deephotography.com


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