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Message: <blockquote data-quote="gohan2091" data-source="post: 389865" data-attributes="member: 11990">Hi all,I am just wondering what's the difference between having Professional indemnity included in your photography insurance vs having terms and conditions written in a contract that's signed by the client(s)? I don't do much paid photography work but I have been quoted £120 by Glover and Howe to insure £5k worth of gear. This is semi-professional cover but doesn't include Professional Indemnity nor Public Liability. To add Public Liability adds £40 on to the cost. I am waiting for a response to how much extra having Professional indemnity would be.</blockquote>