Real examples of business protection for photographers

A unique incident involving a group of baboons left our customer without his photography equipment

While our customer was aware that a trip to rural Kenya did not come without its risks, it didn’t cross his mind that he may fall victim to an unusual theft at the hands of the local wildlife. During a deforestation shoot, he left his camera equipment unattended for just a short time while attending discussions with the rest of his team. Upon his return, the equipment had been surrounded by a group of baboons. He tried to chase them away, but it was too late – they had gotten hold of the equipment and, before he knew it, had run away with it.

Fortunately, he had a specialist photography insurance policy with Hiscox, so he got in touch with us straight away to inform us of the incident and make a claim. We reviewed the claim and considered the circumstances carefully – in the isolated surroundings, our customer would not have expected the items to be stolen by anyone – especially not an animal.

The terms of his policy did include an exclusion, stating that items that ‘are not under the personal supervision of you or anyone authorised by you’ would not be eligible. Ordinarily, this would have suggested the claim would be declined, however, given the unusual circumstances, we paid the claim without prejudice.

At Hiscox, we want to help your business run as smoothly as possible, which is why we tailor our business insurance policies to a suit range of professions, such as professional photography. Like our customer, having the appropriate cover can be a huge support when things don’t go exactly to plan.

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