Business Insurance for Photographers
Specialist business insurance for photographers from £4.83* per month.
- Photographers’ public liability insurance
- Camera equipment cover
- Professional indemnity
- Join over 150,000 customers**
From only £4.83* per month
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What does photographer insurance cover?
Our business 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 your needs, with optional extras including professional indemnity, photography equipment cover, personal accident protection, and legal expenses. Whatever your style or setup, you can build a policy that fits your work perfectly—today and as your business grows.
Ensure you have the correct insurance for your profession and verify if any exclusions are relevant to your planned activities in the 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.
Equipment
- Up to £25,000 worth of cover available
- 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.
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.
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 European Union 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 the policy documentation.
Why choose Protectivity for your photography insurance?
Let the reviews of over 3,000 customers explain why you should choose us.¹
Trusted by over 150,000 policyholders.
Experienced insurance providers for over 30 years.
5* reviews from 3,000+ customers.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
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.
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