professional photographers of southern africa

Artinsure has pioneered a new specialised product for the photographic market - Artinsure Photographer. Until the introduction of Artinsure Photographer, there has been no comprehensive insurance product for professional photographers and videographers. Many photographers are not aware that most policies are not comprehensive and do not offer full coverage due to the specialist nature of their equipment. In fact an ordinary ‘all risk’ policy will not cover the normal risks that photographers encounter and could leave them exposed and out of pocket. True to their core value added offerings, Artinsure Photographer offers expert advice and knowledge of the photography market, specialist repairs and replacement as well as a tailored offering to meet the unique needs of the market.

The key coverage headings are: 1. Theft of the Property Insured (when not from a vehicle) 2. Theft of the Property Insured when from a vehicle 3. Accidental Damage to the Property Insured 4. Hire of equipment 5. Accidental damage to or theft of Your Portfolio 6. Accidental damage to or theft of Your Film Stock 7. Deterioration of Film Stock 8. X - Ray Scanning 9. Processing Loss 10. Accidental Damage resulting in reshoot costs 11. Accidental damage to or theft of Property at Exhibitions 12. Unwitting Handling of stolen photographic equipment 13. Public Liability

Top 10 Frequently Asked Questions 1. What is the process to get a quote? Please e-mail us the values, risk address, security and relevant claims record and we will provide a same day quotation. 2. Can you assist us as we do not know the full process yet? We work closely with brokers and their clients to ensure delivery of the best solution and are happy to attend all client meetings required. 3. What happens if an insured item is damaged? It will be sent to South Africa’s leading photographic equipment provider Orms (www.orms.co.za) to manage the repair process. If it is not repairable, a total loss is declared and Orms will supply a replacement of the same brand and specification. 4. What happens if an insured work is stolen? Orms will supply a replacement of the same brand and specification 5. What do we do if our client has a claim? Our claims process is our expertise. Let us know as soon as possible (the earlier the better to minimise loss) and we will take over the process with the key aim of making this a smooth process that returns your client to the same financial position they were in prior to the claim. 6. What security do you require? This is a factor of the values and equipment type and we will provide feedback at the point of underwriting. As we understand the theft exposure, we respond accordingly. 7. Is there a policy excess? Yes we have standard policy excess which is detailed in the policy. 8. How expensive is it? Most photographers take care of their property and usually employ higher than average levels of security. Our unrivalled expertise in this area, allows us to offer extremely competitive pricing. 9. Is there a minimum sum insured? No there is not but we do apply minimum premiums of R298 monthly. 10. What commission do you pay and do you charge policy, administration or debit order fees All premiums quoted contain a 20% commission payable to the broker. We do not charge fees in addition. Brokers with whom we deal may charge additional declarable fees.