Photographer Public Liability Insurance
Specialist cover for photographers from £5.64* per month.
- Camera equipment cover
- Professional indemnity cover
- Join over 150,000 customers**
From only £5.64* per month
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What does photographer insurance cover?
Our liability insurance for photographers is designed to support professionals across the photography industry, from wedding and event photographers to commercial, portrait, and freelance creatives. Whether you’re working solo or managing a team, this policy ensures you’re protected while doing what you love.
The core cover includes public liability with limits of up to £5 million, helping safeguard you against claims for accidental injury or property damage. It offers exceptional value for essential business protection, allowing you to operate with confidence and security.
Our photography insurance is flexible and can be tailored to suit your needs, with optional extras such as professional indemnity, equipment cover, personal accident protection, and legal expenses. So, no matter your style or setup, you can build a policy that fits your work perfectly, today and as your business grows.
Make sure you have the correct insurance for your profession and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who gets injured during a session or has their property damaged.
Professional Indemnity
- From £250,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment
- Up to to £25,000 worth of cover
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select Europe or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover please refer to policy documentation.
Why do photographers need insurance?
As a photographer, you capture some of life’s most important moments, whether it’s a wedding, a commercial shoot, or a family portrait. But even the most experienced professionals can encounter the unexpected. From technical mishaps to accidents on set, the nature of your work means things don’t always go to plan. That’s where specialist liability insurance for photographers becomes essential.
Having the right insurance gives you peace of mind, knowing you’re protected if a client brings a claim against you. No matter how careful or skilled you are, incidents can occur and when they do, insurance helps protect your reputation, your equipment, and your income.
Photographer insurance can cover a wide range of scenarios, helping you continue your work with confidence:
Public liability cover
While working at an event, you might accidentally damage a fixed display at the venue. In this situation, the venue may seek compensation for the cost of repairs or replacement.
Public liability insurance protects you from the legal and financial consequences of these types of claims, so you’re not left to cover the costs on your own.
Professional indemnity insurance
During a wedding photography shoot, you might experience an error with a memory card, failing to capture crucial moments of the day. Your clients could make a claim for failing to capture these moments and loss of irreplacable images.
In this case, professional indemnity insurance could cover the legal costs and any compensation awarded, helping to protect the photographer’s business from the financial fallout of a genuine, human error.
Equipment cover
Your cameras, lenses, and lighting are vital to your business. Replacing them suddenly due to damage or theft could be costly and disruptive.
Equipment cover helps you bounce back quickly by replacing damaged or stolen items, keeping your shoots on track and your clients happy.
Personal accident cover
Photography often involves physical effort typically carrying gear, long hours on your feet, or working in unpredictable environments. If you’re injured and unable to work, your income could take a hit.
Personal accident cover provides financial support while you recover, helping protect your livelihood during time off.
Proof of liability cover
Many venues, studios, or client locations – especially for weddings, events, or commercial shoots – require photographers to show proof of liability insurance before allowing them to work on-site.
This is to ensure that if any accidental injury or property damage occurs during the shoot, there’s adequate protection in place. Having the right cover not only meets these requirements but also helps you secure more professional bookings with confidence.
Our experts explain why...
“Working as a photographer means more than just taking great pictures, it involves managing equipment, working in dynamic environments, and interacting closely with clients. From capturing high-pressure events like weddings to producing commercial work under tight deadlines, photographers face a unique mix of creative, technical, and logistical challenges every day.
That’s why our photography liability insurance has been developed with flexibility and real-world protection in mind. Whether you’re a freelancer working solo or running a small photography business, our cover helps protect you from unexpected incidents like damage to property, injury claims, or disputes over your work. We’ve designed it to grow with your career too, offering optional extras like equipment cover and personal accident protection.
Ultimately, we want photographers to feel supported and secure, so they can focus on their craft – not the ‘what-ifs’. Our aim is to take care of the risks, so you can take care of the moments that matter.”
Chris Trotman, Protectivity Underwriting Manager
How much does photography insurance cost?
At Protectivity policies start at just £5.64 per month.*
Photographer insurance is a smart investment that protects your business, your equipment and gives you a sense of security, often for less than the cost of a memory card each month.
There are several factors that can influence the total cost of your policy. If you own high-value camera gear, regularly hire assistants, or shoot in a variety of client or public locations, your premium may be slightly higher to reflect the increased risk and cover needs. Optional extras such as professional indemnity, equipment insurance, personal accident cover, or employers’ liability can be added to create a policy that fits your specific business model.
Ultimately, investing in photographer insurance helps ensure that your career and your reputation are well protected, no matter where your next shoot takes you.
Prices from
£5.64* a month
Explainer quote
Policy cost
£5.64* a month
Policy type
Photographer insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 01/08/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your photographer insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
My business has an annual turnover of more than £500,000 a year, can I get insurance cover with you?
No, we can only cover sole traders and businesses providing the trades within our Creativies insurance product, that generate less than £500,000 turnover per year.
My business involves a number of services, that can’t be defined under just one trade alone, is this okay?
Yes, you can select any number of trades or professions within your application of insurance and we will cover you to provide all of these services. If there is not a trade / profession that best describes the services you provide, you can select the ‘Other’ option and detail to us what it is you do and we will consider this appropriately under a bespoke arrangement.
My business employs more than 5 people, is this okay?
No, we can only provide you insurance cover, specifically for Employers’ Liability, if your business has 5 or less employees. These numbers should include those you employ, that volunteer their time for no pay and any labour only subcontractors under any agreements with you and your business. You should also include your companies directors and principals if your company is a registered company.
I provide music lessons, as a teacher, in schools and colleges. Can you provide me insurance cover?
No, we do provide insurance cover for those providing music classes, compositions production services and workshops but our cover excludes specifically working with schools.
I’m going to be working abroad, in other countries, providing the services you insure me for. Is this okay under this insurance cover?
Yes, we can provide cover for working temporarily abroad but we can only cover up to 30 days over the policy period and we are unable to cover working in the USA and/or Canada.
My type of work is predominantly undertaken on computers or laptops. Are you able to cover me for damages to data I might get on my computer systems?
No, our insurance policy excludes damage to electronic data. If you take our insurance cover for Technical Business Equipment, we can cover you for the tangible computers and/or laptops but not the data you keep on these systems.
Will your insurance cover protect me for any claims I might receive due to allegations of the quality of work I undertake?
No, our insurance cover excludes claims arising due to situations around disputes arising due to the quality of work you undertake. Claims for things like financial or investment advice or alleged shortcoming in your work is something we exclude on our insurance cover.
Can I get insurance to protect my expensive technical business equipment from damage, and if I make a claim, will you reimburse me the full amount I paid for it?
Yes you can get insurance cover with us for your business equipment, valued up to £25,000. No, we may not pay you back the amount you paid for the equipment. It depends on the age of the equipment. Our technical business equipment cover will cover the cost to repair the equipment or replace it as new at the date of loss. If the item(s) being claimed for are over 3 years old at the time of the loss, we will only pay you the value of the equipment, less a deduction for wear and tear.
Can you cover my business equipment when I’m working remotely?
Yes but with certain restrictions. You would need to take out the optional cover for technical business equipment and declare the full value of your equipment. If your equipment is valued over £25,000, we can’t cover this. Our optional cover for technical business equipment does have a number of exclusions within the cover, including but not limited to damage, loss or theft of your equipment when it is stored anywhere outside your immediate control, when its left somewhere unattended, where manufacturer fitted security is not enabled and where equipment is kept in a motor vehicle, unless its out of site, like in an enclosed locked boot. For full details of the exclusions, please refer to our policy wording, under section D technical business equipment.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/08/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data