Photographer insurance that captures your needs

As soon as you start shooting for paying clients — whether at weddings, events, commercial shoots, or on location. Even if you primarily shoot outdoors or in clients' venues, your equipment and presence create risks for others. Many venues also require proof of cover before allowing you to work on site.

No — it isn't a legal requirement in the UK. However, many venues, event organisers, and commercial clients will require proof of insurance before allowing you to work. Wedding venues and event spaces in particular routinely ask for evidence of cover, and without it you could miss out on bookings.

It covers compensation claims and legal fees if a member of the public is injured or their property is damaged as a result of your photography activities. Common examples include a guest tripping over your camera bag, tripod, or lighting equipment at a wedding or event, accidental damage to a client's venue or property during a shoot, or a third party being injured by your equipment or cables in a public or semi-public space. It covers both the compensation payment and your legal costs, even if a claim turns out to be unfounded.

Public liability insurance covers claims from members of the public — it doesn't cover your camera equipment, lenses, or other kit (you'd need equipment insurance for that), claims from your own employees (that's employers' liability), or losses arising from professional errors such as losing or corrupting images (you'd need professional indemnity for that). Always check your policy wording carefully.

Standard public liability insurance covers your liability to third parties — it doesn't cover your camera equipment, lenses, or other kit. For equipment cover you'd need a separate policy or a combined photographer's insurance that includes both. Given how valuable photography equipment can be, it's strongly worth considering alongside your liability cover. Speak to our team about the options available.

Yes — public liability insurance covers you regardless of the size or type of event you're photographing. Weddings and large events do carry higher risks due to the number of people present. Many venues also require photographers to have public liability insurance in place before allowing them to work on site, so always have your certificate of cover ready to share.

Standard cover starts at £1 million. Many wedding venues and event spaces require a minimum of £2 million, while commercial clients and film sets may require £5 million or more. Check the requirements of the venues and clients you work with before selecting your cover level.

Yes — business insurance is an allowable expense, which means you can deduct the cost when calculating your taxable profit. Make sure you keep your policy documents and receipts as records for HMRC. If you're unsure, speak to your accountant.

Yes — you'll receive proof of cover instantly when your policy is in place, which you can share with venues and clients straight away. If you also take out employers' liability cover, a Certificate of Employers' Liability will be issued immediately.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

You can verify our status directly on the FCA register.