Liability insurance

Public liability in the UK, general liability in the United States, and the same idea in both. If somebody trips over your light stand, or your tripod goes through a client's window, the policy pays instead of you. Brands, venues, event organisers and studios routinely ask for proof before letting you through the door, usually as a certificate naming the level of cover they require. Two related policies get confused with it. Professional indemnity handles claims that your advice or your work was wrong, and equipment insurance handles your own kit being stolen or damaged. None of the three includes the others.