Wedding Photographer Insurance
Specialist cover for wedding photographers from £4.83* per month.
- Public liability for freelance wedding photographers
- Add Equipment cover
- Join over 150,000 customers**
From only £4.83* per month
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What does wedding photographer insurance cover?
Our liability insurance for wedding photographers is built specifically to support professionals capturing one of life’s biggest celebrations. Whether you’re shooting solo, working with a second photographer, or running a small wedding photography team, this policy ensures you’re protected every step of the way, from the morning prep to the final dance.
Core cover includes public liability with limits of up to £5 million, protecting you against claims for accidental injury or property damage. It’s excellent value for essential business protection, giving you confidence that you’re covered if something goes wrong on the big day.
Our wedding photographers insurance is also flexible, allowing you to tailor your policy with optional extras such as professional indemnity, equipment cover, personal accident protection, and legal expenses. No matter your style, documentary, editorial, traditional, or hybrid, or the scale of your business, you can build a policy that fits for you.
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 & Products 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 £100,000 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.
Business 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 do wedding photographer’s need insurance?
As a wedding photographer, you’re responsible for capturing irreplaceable moments, from the ceremony to the speeches, first dance, and everything in between. But even with years of experience and meticulous preparation, weddings are fast-paced, unpredictable events. Things can and do go wrong.
Specialist wedding photographer insurance provides essential peace of mind. If a client brings a claim against you, or an accident happens during a shoot, insurance helps protect your reputation, your kit, your income, and your ability to keep working.
Wedding photographers rely on insurance for a wide range of scenarios, including:
A guest trips over your gear during the wedding day
At busy venues filled with guests, equipment like tripods, lighting stands, or camera bags can become trip hazards. If a guest is injured or property is damaged because of your setup, you could be held liable.
Public liability insurance protects you against the legal and financial consequences of these claims, so you’re not left covering costs on your own.
Your essential equipment is damaged or stolen.
Wedding photography depends heavily on high-value equipment. Cameras, lenses, memory cards, flashes, lighting, and backup gear are all essential and weddings often require moving between locations.
If your equipment is damaged, lost, or stolen at a venue, between shots, or while in transit, it can halt your work instantly.
Equipment cover helps you bounce back quickly by repairing or replacing essential items so you can continue shooting without disruption.
You’re unable to work due to an injury.
Wedding days are physically demanding such as long hours on your feet, lifting heavy gear, and navigating crowded or uneven venues. If an injury leaves you unable to work, your income could be affected.
Personal accident cover provides financial support while you recover, helping protect your livelihood during time off.
Venues ask for proof of liability insurance
Many wedding venues, from hotels and estates to barns and private properties, require photographers to show proof of public liability insurance before working on-site.
This ensures that if accidental injury or property damage occurs, appropriate protection is in place. Having the right cover helps you secure bookings and gives venues confidence in your professionalism.
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 wedding photographer means balancing creativity with logistics, managing equipment, navigating constantly changing environments, and working closely with couples and guests. Weddings are high-pressure, once-in-a-lifetime events, and with that comes a unique mix of challenges.
That’s why our wedding photographer insurance is designed with real-world situations in mind. Whether you’re a solo shooter or run a small team, our cover helps protect you from unexpected incidents like injury claims, equipment damage, or disputes over your work. We offer flexible options too, such as equipment cover and personal accident protection, so your policy can grow with your business.
Ultimately, we want photographers to feel supported and secure, so they can focus on their creativity – 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 wedding photographer insurance cost?
At Protectivity policies start at just £4.83 per month.*
Wedding photographer insurance is a smart investment that protects your business, equipment, and professional reputation.
The total cost of your policy can be influenced by several factors, such as:
- The value of your camera gear
- Whether you use assistants or second shooters
- The variety of locations and venues you work in
- The level of cover and any optional extras you choose
- Whether you need employers’ liability insurance
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* a month
Policy type
Wedding photographer liability insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 10/12/2025. 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 wedding 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
Am I covered if a couple cancels their wedding and I lose the booking fee?
No. Loss of income or lost booking fees due to client cancellations is not covered under your current policy options.
You would need separate cancellation or event insurance, which is not included in the cover described.
Does my policy cover second shooters or assistants working with me?
Yes, if they are employed by you, Employers’ Liability insurance (up to £10 million) covers claims arising from work-related injuries.
Their actions in a professional capacity would also be covered by Professional Indemnity, as long as they are working under your direction.
Please note: Anyone aged 16 or younger working for you is excluded.
Am I insured if venue staff damage my equipment during a wedding?
Yes, if you have Business Equipment cover, accidental damage caused by others (including venue staff) is covered, up to the policy limit.
What happens if my camera or equipment is damaged during a wedding?
With Business Equipment cover, your cameras, lenses, flashes, gimbals, and other gear are protected against accidental damage, theft, and loss, up to the value you select.
Are laptops, computers and editing software covered under my insurance?
Yes, laptops, PCs, monitors, and physical editing accessories are covered under Business Equipment cover.
Is my smartphone or tablet covered if I use it for business purposes?
Yes, your smartphone or tablet can be insured under Business Equipment cover for theft, loss, and accidental damage when used for business.
Discover more from Protectivity
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