Risk Assessment


I have just received an addendum to my Photographers Liability Insurance Policy from my insurance company entitled Seasonal Variations and Exclusions. It’s a rather strange, have a look and let me know what you think.

Each year we are required to inform you that should you be intending to photograph anyone dashing  through the snow in a one-horse open sleigh, going over the fields and laughing all the way are you are required to undergo a Risk Assessment addressing the safety of open sleighs.

The assessment must also consider whether it is appropriate to use only one horse for such a venture, particularly where there are multiple passengers. Please note that permission must also be obtained in writing from landowners before their fields may be entered. To avoid offending those not participating in celebrations, we request that laughter is moderate only and not loud enough to be considered a noise nuisance.

Benches, stools and orthopaedic chairs are now available for collection by any photographers planning to photograph Christmas lights at night. There is provision to download an app for remote monitoring of your safety from a centrally heated night photographer observation hut, however all facility users are reminded that an emergency response plan must be submitted to account for known risks to you and your equipment.

Photographers are reminded that prior to using Flash they must confirm that any person in the immediate vicinity is wearing appropriate Personal Protective Equipment to account for the harmful effects of UVA and UVB.

You are also advised that following last year’s well publicised case, EU legislation prohibits you from commenting with regard to the redness of any part of Mr. R. Reindeer. Further to this, the exclusion of Mr. R Reindeer from any night or Christmas scene photograph will be considered discriminatory and according to EU Law (Section 8, para ii and vi) will result in confiscation of photographic equipment and a severe fine taken against the photographer if found guilty of this offence.

Finally, should you happen to find an infant tucked up in a manger without any crib for a bed, please call Social Services and let them know the location of said infant.

Bah Humbug!

Wishing you a very Merry Christmas – be safe out there…….

Just a short note. the little story above has been going around the internet for years in a slightly different format. I have sort of adapted it to bring it in line with a photography blog. So far I have not been able to credit the original author but if you see this and are the original author I will be happy to either credit you as such or take this post down.

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12 thoughts on “Risk Assessment

  1. Similar to my addendum except my also added that any attempt to slide down a chimney with more than £10 of photo gear in my sack would not be covered especially if the fire was still light. If that were the case and my chestnuts got roasted I was definitely not covered! Happy Christmas

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