Photographer insurance
Insure your photography business for liability with zero hassle
In partnership with some of the leading UK insurers, we’ll not only get you a better photographer insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a photographer liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a photographer.
World-class support
Our UK-based expert team are here to provide you with dedicated support.
What is photographer insurance?
Photographer insurance is a public liability policy that safeguards photographers against claims for injuries or property damage during shoots. It ensures you’re protected from the risks associated with equipment and client interactions.
It covers a range of scenarios where your photography business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to photographers for several reasons:
- Business reputation: Insurance demonstrates professionalism, helping you gain clients’ trust.
- Financial protection: Accidents like tripping over equipment or damaged property can lead to claims, and insurance provides cover.
- Client Requirements: Many clients require photographers to be insured before booking.
What are the benefits of a photographer insurance policy?
Personal injury claims
Photographer insurance covers you if someone is injured during a shoot, such as tripping over your equipment or cords.
Damage to property
Accidents like damaging a client’s property while setting up or taking down equipment are covered by photographer insurance.
Legal protection
If you’re faced with a liability claim, insurance helps cover the costs of legal defence, ensuring your business is protected.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does photographer insurance cost?
This depends on the nature and size of your photography business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Level of cover
Costs depend on the level of cover, typically starting at £1 million, with options for £5 million or more for larger projects.
Nature of business
Photographers working in high-risk environments, like events or weddings, may face higher premiums.
Location
Where you operate can also influence premiums, with urban areas prone to incurring higher costs.
Business size and turnover
For photographers, higher turnover might increase premiums because more projects and clients typically equate to greater risk exposure.
Number of employees
If you employ assistants or a team, this could lead to higher premiums due to the increased risk of property damage or injury claims.
Claims history
A history of claims may increase costs, while a clean record can help reduce premiums for photographers.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.