Insurance and Freelancers

Our message has never changed: insurance for freelance media workers should be accessible, affordable and available worldwide

Due to the unpredictable nature of freelance work and the risks involved in reporting from different areas of the world, insurance for freelancers has always been expensive. Many freelancers working on short-term contracts cannot afford one-off policies which always cost much more than an annual insurance policy. However, annual insurance premiums are still beyond the reach of most freelancers and war zone insurance has become prohibitive. Many freelancers still have no insurance at all.

Since the Rory Peck Trust was established in 1995, one of its key aims has always been to ensure that freelance media workers never go on assignment without adequate cover. We have talked to insurers about the potential volume and breadth of the freelance market, whilst encouraging broadcasters and editors to take responsibility for their commissioned freelancers.

Change is coming. Newsgathering organisations are increasingly aware of their responsibilities towards commissioned freelancers. During the Iraq war, many major broadcasters included insurance provisions in contracts, gave staff and freelancers equal cover and insisted on safety training. Some insurance companies are providing discounted insurance for freelancers who have undergone specialist safety training. However, our work is ongoing.

We ask freelancers to:

  • Take out a basic annual insurance cover
  • Never go on assignment without at least a minimum level of cover
  • Try to take a specialist safety training course

We ask broadcasters to:

  • Provide commissioned freelancers with the same insurance cover as staff
    or
  • Contribute to the freelancers' policy to enable them to achieve satisfactory cover

We ask insurers to:

  • Be prepared to offer advice and support to individual freelancers
  • Ensure discounts for those who have taken approved safety training courses.

The following insurers are currently known to be sympathetic to the needs of freelancers. You may contact them directly.

AKE SPECIAL RISKS LTD
www
.akegroup.com

Contact: Fraser Newton
Tel: 00 44 (0)20 7816 5458
Email: f.newton@akegroup.com

 

MEDIA INSURANCE BROKERS LTD
www.mediainsurance.com

Contact: Richard Moore
Tel: 00 44 (0)20 7287 5054
Fax: 00 44 (0)20 7287 0679
Email: richard.moore@mediainsurance.com

 

REPORTERS SANS FRONTIÈRES
(For all journalists: Europe only)

www.rsf.org/article.php3?id_article=4971

Contact: Lucy Morillon
Tel: 0033 1 44 83 84 74
Email: communication2@rsf.org

 

THB CLOWES
(individually designed policies for all freelancers, available worldwide)

www.thbgroup.com

Contact: Tom Ellis
Tel: 00 44 (0) 20
7392 1952 Fax: 00 44 (0) 20 7392 1802
Email: tellis@thbclowes.com or freestyle@thbclowes.com

 

WEST MIDLANDS BROKERS
www.crisis-insurance.co.uk

Contact: Brian Barnard or Simon Phillips
Tel: 00 44 (0)1432 268301
Fax: 00 44 (0)1432 355235
Email: crisis-insurance@crisis-insurance.co.uk



The details of the insurance companies set out above are for information purposes only. For the avoidance of doubt, The Rory Peck Trust does not specifically endorse nor give any representation or warranty in relation to any of the companies, their products including without limitation the availability and/or the suitability of those products. Furthermore, The Rory Peck Trust accepts no liability whatsoever in relation to the provision of the above information on this website.

 

 




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