Photographers insurance

Specialist cover for photographers from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

For over 25 years Markel have insured photographers of all descriptions, including wedding photographers, commercial photographers, freelance photographers and part time photographers.

Our experience gives us unrivalled knowledge of the risks facing your profession and our policies are designed to protect you from them.

Many photographers insure their equipment against loss, theft and damage, but few realise the importance of other insurance covers. Regardless of whether you work as a full time professional or as a part time freelancer, without the right insurance cover in place, your business could face financial ruin following a claim. An allegation of a ruined wedding because of poor photographs or damage caused to hired property during a photo shoot could see you have to settle a claim for thousands of pounds out of your own back pocket.

Our photographer insurance can provide cover against such scenarios, as well as giving you the option to insure your camera and other photography equipment against loss, theft, accidental damage and more.

Our simple quote form can provide you with an online quote in less than 90 seconds, and you can tailor your policy online to include only the cover you want. With cover starting at just £5 a month and the option to pay by interest free direct debit, you're sure to find comprehensive photographers insurance that's right for your business. Get an online quote now!

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Cover starting at just £5 a month

Tailor your insurance with these covers

  • Public liability and professional indemnity insurance

    Public liability and professional indemnity insurance offers comprehensive protection against the cost of defending you against allegations of professional negligence (such as failing to provide an acceptable level of photography to a client) and if unsuccessful, the cost of damages awarded against you.

    In addition, it covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business. Examples of claims include:

    • You carry out a wedding shoot for a client but the memory card corrupts and you lose all the photos. The client brings a claim against you for the cost of a reshoot.
    • You carry out a shoot for a commercial client but you fail to capture key elements the client requested. They take legal action against you for the cost of a replacement photographer and shoot.
    • A wedding guest trips over your tripod, injures themselves and ruins an expensive dress. They make a personal injury claim against you seeking compensation and send you an invoice for the cost of replacing the dress.
    • A client trips over a cable at a shoot and injures themselves. They make a personal injury claim against you seeking compensation.
    • A venue alleges that your tripod has scratched an expensive floor and sends you an invoice for the costs to repair it.

    This cover is vital for photographers of all styles, and many venues or clients will require you to have cover in place before letting you start work. Limits range from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment.

    An example of a claim would be:

    • While on location, your assistant slips and breaks their ankle. They make a personal injury claim against you seeking compensation

    Cover for £10m.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. If your photography business is a limited company, you may want to consider this cover. Limits range from £100,000 to £5m.

  • Office and equipment cover

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your camera equipment under our business equipment section; you'll have the option to insure your vital equipment, including laptops, mobile phones and expensive design software on a worldwide basis. If your photography business is a full time job, we can insure your business against loss of income and/or additional trading expenses following events, such as a flood or fire at your home, that cause interruption to your work.

  • Occupational personal accident insurance

    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.

    If you were injured in the course of your work as a photographer, and would struggle to maintain an income if you were unable to work following the accident, you should consider having occupational personal accident insurance to help ease the financial burden.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs, together with any award you are required to pay, following an employment dispute - for example, with another dance teacher that you employ in your business. It also pays costs and expenses for certain crisis management, identity fraud, official investigation, corporate manslaughter, pollution and data protection issues.

  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients (including their photographs and backups) on computers and other internet connected devices, you should give consideration to this cover.

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Cover starting at just £5 a month

Frequently asked questions

  • I do shoots in both studios and on location - am I covered for both?

    Yes. Many of our clients undertake shoots in their own/a rented studio as well as on location and our policy covers this.

  • I do more than one type of photography - is this covered?

    Yes. We don't restrict the types of photography you do so if, for example, you split your time between shooting portraits during the week and weddings at the weekend, you'll be covered by our policy.

  • Is my equipment covered if I leave it in my car?

    Yes, provided that:

    • The property is concealed in a locked boot or stowage area within the vehicle
    • All points of access to the vehicle are securely locked and security devices put in full and proper operation
    • Force is used to gain entry to the vehicle and such entry causes external and visible damage to the vehicle
  • Does the policy cover the use of drones?

    No. We are currently unable to cover the use of drones or other types of aerial vehicle as part of your business' activities.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits, so you're sure to find the right cover for your business.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing contractors, consultants, freelancers and self-employed professionals, and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.

    We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.

    Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

Access these exclusive services with your policy

In addition to the specialist cover you'll receive for your photography business, we offer our customers exclusive access to a range of services (included as standard with the relevant section of cover) - designed to help make your life easier.

  Fee dispute service

Managing cashflow is a challenge for all photographers and chasing unpaid invoices or fees wastes valuable time when you could be working. We offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.

  Employer helpline

When there's an issue with one of your employees (such as a fellow photographer or assistant you employ in your business), it can be difficult to know where to turn for advice. Our dedicated team of employment law specialists at LHS Solicitors are on hand to assist you with a range of employment law disputes including disciplinaries, dismissals, unlawful discrimination, redundancy and TUPE. Included as standard with legal representation and employment disputes insurance. 

  Public relations crisis management service

Public relations disasters can occur at any time, particularly when something goes wrong following an emotionally charged event, such as a weddings or party. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

  Cyber response helpline

If your photography business is the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.

Cover starting at just £5 a month