Helpline: 01274 518366

Quotation Request

PhotoShield - Bespoke

Client Details
Cover Details
Legal Protection
US Sanctions

Client Details

When do you need cover to start?
Your name
Trading Name
Contact Number
Contact Email Address
Reason for being ERN Exempt:
Is there a Third Party Interest to be Noted?
Third Party Interest
Risk Address
Do you engage in any airside, aerial, trackside, underwater or paparazzi work, or any other potentially hazardous work that we should be aware of?
Please advise what type of activities you engage in:
Are you a member of an association?
Postcode For Lookup
LV= Flood Lookup
LV= Subsidence Lookup

Cover Details

Including subsidence, landlords fixtures, fittings and walls, gates and fences pertaining thereto for your business premises, excluding private dwellings
Tenant's Improvements
Trade Fixtures and Fittings and all other Contents (Including Property Held in Trust)
Electronic Equipment & Computers
Stock, Portfolios and Materials in the Trade
Including the property of your own, held in trust, or in commission for which you are legally responsible for
Total Photographic / Video Equipment
The total replacement value of your Photographic Equipment including camera bodies, lenses, flashes, tripods, carry cases etc.
Photographic / Video Equipment - Worldwide
Of the above, what is the maximum value of equipment you would take away from the premises at any one time
Laptops / Tablets
Mobile Phones (under a business contract)
Mini Labs - Premises
The total replacement value of any Mini Labs or mobile printing equipment
Mini Labs - Worldwide
Of the above, what is the maximum value of equipment you would take away from the premises at any one time
Is Professional Indemnity cover required?
£100,000 Limit of Indemnity
Professional Indemnity Limit
Is Employers Liability cover required?
£10,000,000 Limit of Indemnity
Employers Liability Cover
Public / Products Liability Cover
Business Interruption (12 months)
Estimated Annual Turnover
Estimated Annual Wageroll
Personal Accident
Set No Claims Discount @ % £0.00
Set Association Discount £ £0.00
Set Discretionary Discount @ % £0.00
Set Additional Loading £ £0.00
Legal Protection

Legal Protection

Do you require Legal Protection?
Cover includes:
• Employment disputes and compensation awards
• Legal defence
• Property protection and bodily injury
• Tax protection
• Contract disputes
• Debt recovery

Limit of indemnity is £100,000
Premium is £34.00 plus Insurance Premium Tax
*Cover provided by DAS Legal Expenses Insurance Company Limited (DAS) and provides the legal protection insurance under the policy. The legal advice service is provided by DAS Law Limited and/or a preferred law firm or tax consultancy on behalf of DAS.


Is Cyber cover required?
If Cyber Business Interruption, Hacker Damage or Cyber Extortion or a higher Limit of Indemnity are required, then please quote through our full Cyber offering.
Cover includes:

• Breach Costs

• Privacy Protection

• Media Liability

Limit of Indemnity - £25,000

£40.00 plus Insurance Premium Tax

The Customer’s business activities don’t involve any of the following:
• airlines • FCA regulated entities • credit rating agencies • financial institution (including but not limited to banks and building societies); • gambling company or operator • government department or agency, council, local authority of public body; • healthcare or medical provider; • payment card processor or gateway, payroll processor; • social or professional networking site or service; • dating site or service; • franchisee or franchisor; • producer, distributor, advertiser or broadcaster of pornography; • data warehouse, direct marketer, data aggregator or information broker; • family planning or substance abuse centre or service, adoption agency or abortion clinic; • mobile application or video game developer or publisher; • insurer or insurance broker; • business process outsourcer; or • travel agency or tour operator.
The Customer does not process, transact or store annually, more than 100,000 personal data records.
The measure for this is the number of individuals whose information the Customer processes, regardless of how many times or pieces of information there are on that individual.
The Customer is domiciled in the United Kingdom of Great Britain and Northern Ireland.
The Customer does not conduct any business or have any clients in the United States of America or Canada.
The Customer encrypts all mobile computing devices (for example laptops, tablets, mobile telephones, PDAs) and portable data storage media (for example USB sticks, flash drive, magnetic tapes) which store, process or have access to personal data.
The Customer is not subject to Payment Card Industry Data Security Standards (PCI/DSS), or if they are subject to PCI/DSS, is only merchant level 4.
The Customer:

• is not aware of any matter that is reasonably likely to give rise to any loss or claim; or

• has not suffered any loss or had any claim made against them in the last five years.

The Customer has not had any:

• regulatory, governmental or administrative action brought against them; or

• investigation or information request concerning the handling of any personal data made against them.


Although you may not require Buildings insurance, the below provides the Insurers with important information about where the equipment will be stored. The property declared:
has walls built of brick, stone or concrete?
Please provide full details:
has a roof of slate, tile, metal or concrete excluding any flat roof area?
Please provide full details:
Please advise construction:
Has the flat roof on the premises been professionally inspected and any defects repaired within the last 2 years?
is in a good state of repair and kept in a like manner?
has a listed status?
What Grade?
Please note we cannot provide cover for Grade 1, Grade A or Category A buildings.
is entirely self contained?
Please provide full details:
is free from storm exposure and/or are in an area which is free from flooding and at least 250 metres away from the nearest river, canal, lake or tidal waterway?
Please provide full details:
is free from, and in an area which is free from any signs of subsidence, heave and/or landslip?
Please provide full details:


Does the proposed premises comply with the minimum security requirements described below?

While the insured premises is closed for business or left unattended you must ensure that the physical security measures at the insured premises comply with the following criteria and all security devices were in full and effective operation when the damage occurred:

1. All doors, other than any designated fire exit, providing a final point of entrance to or exit from the insured premises are secured by a key operated lock which engages with the door frame and can be engaged from both sides.

2. All designated fire exits are secured by:

a. a panic bar locking system incorporating bolts which engage both the head and sill of the door frame; or

b. a mortice lock having specific application for emergency exit doors and which is operated from the inside by means of a conventional handle or thumb turn mechanism.

3. All windows and skylights which are accessible from the ground or easily reached by climbing are:

a. secured by means of a key-operated locking device;

b. permanently screwed shut; or

c. protected by solid steel bars, not more than 10cm apart, or metal grilles.

Please provide full details of your security:
Are the premises thoroughly protected by an intruder alarm system, under the sole control of the insured?


Have You or any Partner(s) or Directors(s) suffered a loss, claim or incident (which may give rise to a claim) at these premises, or any other premises, whether insured or not within the last 5 years?
Please provide details:
Date of IncidentCircumstances of the ClaimHow much was the claim settled for?
Add row

Additional Information

Do you want to bring any further information to the underwriters attention?
Please provide full details:
RiskAlliance Rewards (NO LONGER USED)
Stay in touch with PhotoShield

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When taking out insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search.

Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

I have read this statement:

Please confirm the following statements:-
Neither I, nor any directors or partners in the business have ever:-
had an insurance contract cancelled by an insurer.
Please provide full details:
had an insurance contract declared void by an insurer.
Please provide full details:
had different terms applied to an insurance contract by an insurer due to misrepresentation by:

  • providing misleading or incorrect information
  • deliberately or recklessly withholding information
  • providing false documents
  • Please provide full details:
    had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements.
    Please provide full details:
    been convicted of or charged with but not yet tried for a criminal offence other than motoring offences.
    NOTE: Spent convictions (as defined under the Rehabilitation of Offenders Act 1974 or any similar or subsequent legislation) do not need to be declared.
    Please provide full details:
    Health & Safety
    Neither the Proposer, nor any directors or partners in the business either personally or in connection with the business or in any other business capacity has ever been:-
    convicted of (or charged but not yet tried with) a breach of any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a prohibition notice or improvement notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    All lifting plant and pressure vessels/boilers which are subject to Statutory Regulations are regularly inspected by qualified engineers as required by the legislation.
    To the best of our knowledge we comply with our legal obligations under UK health and safety legislation.
    Neither the Proposer, nor any directors or partners in the business or in the name of any other business which any of us had an interest have:-
    been declared bankrupt or insolvent either as private individuals or in connection with any business within the last ten years.
    Please provide full details:
    been disqualified from holding a directorship.
    Please provide full details:
    been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt as private individuals or in connection with any business within the last six years.
    Please provide full details:
    been a director or partner in a business that has been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt within the last six years.
    Please provide full details:
    been officers of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986 within the last ten years.
    Please provide full details:
    When answering the above questions, you are confirming on behalf of the Proposer that the statements above are true and if this quote is converted to an insurance policy, it will form the basis of any contract of insurance affected thereon. I understand the questions asked and have read the answers provided:


    Additional Contents (Schedule only)
    Temporary Contents (Schedule only)
    Goods in Transit Max Value (Schedule only)
    Hiscox Reference
    Legal Reference
    Hiscox Reference - Cyber
    Number of Data Records
    Reason for Cancellation
    Hiscox Policy Reference
    New Hiscox Wording - 01.06.2020
    Version Ref

    US Sanctions

    US Sanctions