0333 320 6009
0333 320 6009
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Photographer Insurance

We arrange comprehensive photography insurance so you can focus on your business

We compare quotes from leading insurers

Compare insurance for photographers

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.

Start a quote 

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
Get a quote

Speak to an expert

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
Call:  0333 320 6009

Photographer insurance cover in detail

What is photographer insurance?

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.

Insurance covers to consider

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

Public liability insurance

Public liability insurance is a type of insurance that protects photographers against legal claims made by third parties for personal injury or property damage resulting from the photographer's business activities. Examples of situations where public liability insurance for photographers may provide coverage include:

  • A client or member of the public trips over the photographer's equipment or props and is injured. 
  • The photographer accidentally damages someone's property while on a photo shoot or, the photographer's actions result in bodily harm to someone, such as accidentally knocking over a person or causing an injury during a photo shoot.

Public liability insurance can help protect photographers from the financial costs associated with defending themselves against claims, such as legal fees, court costs, and damages awarded to the claimant.

Photography studio

Employers' liability insurance

Employers' liability insurance is a type of insurance that protects employers against claims of injury or illness made by employees as a result of their work.

If you are a photographer who employs staff, whether on a full-time or part-time basis, you have a legal obligation to provide a safe and healthy working environment for your employees. Employers' liability insurance can help protect you against the financial costs associated with claims made by employees who suffer injury or illness as a result of their work.

injured person walking up stairs

Personal accident cover

Being a freelance photographer means you might need to consider personal accident insurance to help with unforeseen circumstances that could put you out of action. 

This cover is designed to provide financial assistance in the event of an accident, and personal accident cover can help you focus on your recovery and return to work as soon as possible. This coverage typically provides a lump sum payment or ongoing income support to help cover the costs of medical treatment, living expenses, and other financial obligations that you may have.

Personal accident insurance could therefore be a key cover type to build into your policy. If you were to become injured and unable to work – even if the accident happens outside of work – you could receive financial support until you’re back on your feet.

Photographer looking at equipment

Photographer property covers

Property insurance covers for photographers are a type of cover that protects the physical assets of your business, including buildings, equipment, and inventory, against loss or damage caused by a range of events.

We understand that photography businesses come in different shapes and sizes. So if you edit photos from home, an office or if you have a photography studio or gallery, home-based business insurance, office insurance or shop insurance could protect your business contents and buildings. Our advisors are on hand to discuss the range of options available to you and arrange a comprehensive policy for you.

Your photography equipment is pivotal to your businesses continuity. If your kit was damaged or stolen, your livelihood could suffer and leave you unable to work. Specialist computers, cameras and lenses can be costly to replace, and as careful as you may be, accidents do happen. And that's where we come in. We can arrange suitable insurance offering varying levels of cover tailored to your business needs, to ensure you have protection for your livelihood.

IT consultant working at a desk

Business interruption insurance

Business interruption insurance provides coverage for lost income and expenses resulting from a disruption to your business operations, such as damage to your premises or equipment.

If you do suffer damage to your premises or equipment, you may have difficulty trading for a while without them. Business interruption insurance, as part of your photography business insurance, can safeguard your income and expenses should you suffer damage at your premises meaning you are unable to trade.

Photographer editing photos

Professional indemnity cover

Professional indemnity insurance for photographers is specifically designed to cover claims related to their professional services, such as photography, videography, editing, or other related services. It helps protect photographers from the financial costs associated with defending themselves against claims, such as legal fees, court costs, and damages awarded to the claimant.

Examples of situations where professional indemnity insurance for photographers may provide coverage include:

  • Accidentally deleting or losing a client's digital images or footage. 
  • Failing to deliver images or footage on time or to a satisfactory standard. 
  • Infringing on someone else's intellectual property rights, such as copyrighted images or music without permission.
  • Giving advice or guidance that results in financial loss to the client and, breaching a contract or agreement with a client

Professional indemnity insurance can also help protect their professional reputation by covering the costs of defending against unfounded claims.

If you require Professional Liability cover, simply request a call back or call to speak to one of our advisors.

Hacker working on a computer

Cyber and data insurance

Cyber insurance can offer valuable protection against cyber threats for photographers.

For example, if a photographer's computer system or website is hacked, cyber insurance can help cover the costs of restoring data, notifying affected parties, and mitigating any damage to the photographer's business reputation. It can also help cover the costs of legal fees if the photographer is sued by a client or other affected party

Photographers who use cloud-based services or store data electronically should also consider cyber insurance, as these systems can be vulnerable to cyber-attacks. Even if a photographer does not collect or store sensitive client information, they may still be vulnerable to cyber threats such as ransomware or phishing scams, which can cause significant financial and reputational damage.

Legal protection

Commercial legal protection

Commercial legal expenses can be added to your photographer insurance to safeguard against employment disputes and compensation awards, tax and VAT appeals, as well as provide an allowance for employees or business partners who are called up for jury duty.

Photographer insurance FAQs

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.
More information

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. 

Why choose Premierline?

Insurance experts at Premierline

We're technology & media business insurance experts

We understand the nature of running your  business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based  experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Design Consultancy Business
Customer since September 2023
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Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
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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.

Speak to a photographer insurance expert

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.

Start a quote 

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
Get a quote

Speak to an expert

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
Call:  0333 320 6009