Photographer taking photo of a cat

Photographer Insurance

We compare quotes from leading insurers
As a professional photographer you’ll carry a lot of responsibility. Capturing special moments with expensive equipment means insurance must be a top priority.

Things can go wrong when you least expect and can sometimes get in the way of a once-in-a-lifetime opportunity. Having the right insurance in place can protect your livelihood and professional reputation should something unexpected happen.

Finding the right photographer's insurance can be a challenge so we can do the hard work for you. If you'd like some advice on what photographers insurance you may need, you can speak to our experts for their professional recommendations. They’re on hand to offer support and arrange a policy that meets your needs.

We work with some of the UK’s leading insurers and can get you a range of quotes at competitive prices and help you make the right decision, allowing you to focus on your photography business.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm

Photography is a diverse trade; every job is unique and exclusive to each individual client. Such diversity requires tailored photographer insurance to ensure you have comprehensive protection for your livelihood, and allow you to focus on what matters – your business.

Many photographers find their niche in one area, be it wedding photography, studio photography, or commercial photography. Whatever your speciality, ensuring you have the right photographer insurance to protect you against unforeseen events is essential.

Photography business insurance is a type of insurance policy designed to protect photographers and their businesses from financial loss due to unexpected events or accidents. This type of insurance can cover a wide range of risks that photographers may face, such as damage to equipment, theft, liability claims, and business interruption.

When deciding what insurance and covers you need to protect your business, you should consider the following:

Photographers should consider getting insurance to protect themselves and their business. Depending on the type of photography you do, the equipment you use, and the clients you work with, there are different types of insurance that you may need.

The type of insurance covers you need may depend on the specific nature of your business and the risks involved. If you are unsure, our insurance experts are on hand to help you determine what types and amounts of cover are appropriate for your business.

Some common types of coverage that may be included in photography business insurance policies are:

  • Public liability – for injured visitors or damage to their property.
  • Employers' liability – to protect your employees.
  • Professional indemnity - can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.
  • Personal accident cover - to tide you over in the event that you injured yourself at work.
  • Buildings cover – to cover for loss or damage to your premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Business legal expenses – to cover the cost of legal expenses.
  • Cyber and data - to help cover damages and costs associated with data breaches, cyber-attacks, or other cyber incidents.

The cost of photographer insurance can vary depending on a number of factors, including the scale of your photography business, the level of cover you need, the demands of the cover and the location of your business or studio.

We always recommend that you gather quotes from several insurers to compare the best cover for your needs. At Premierline we can help by comparing quotes from some of the UK's top business insurers. We can help to review your insurance needs to ensure that it continues to meet the changing needs of your business.

Whether your business is home-based, studio-based or freelance, you're looking for wedding photographer insurance or photographic equipment insurance, then look no further, you have come to the right place.

We can compare quotes from some of the UK’s leading insurers and get the right photographer insurance to suit your business activities so call us today.

As a business insurance broker, we can source insurance for a range of different types of photography professionals. Such as:

  • Portrait Photographers
  • Wedding Photographers
  • Commercial Photographers
  • Fashion Photography
  • Sports Photography

We can make arranging your photographer insurance simple and hassle-free, even if your business has specific needs. Speak with our team of advisors who can recommend the right covers for your business.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Design Consultancy Business
Customer since September 2023
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
We make arranging your photographer insurance hassle-free. At Premierline we can find and compare quotes from a selection of trusted insurers, and get the right protection for your photography business. Our advisors are also on hand to provide advice on what covers you need, give us a call or request a call back and we’ll get to work.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm