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

  • Professional indemnity insurance

    Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice, or provide a less than adequate service) and if unsuccessful, the cost of damages awarded against you.

    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.

    This cover is vital insurance for photographers who undertake work for clients, with limits ranging from £50,000 to £5m.

  • Public liability insurance

    Public and product liability insurance 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 or supplying products. The legal fees alone could cost your business thousands of pounds.

    Examples of claims include:

    • 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.

    If you visit client premises, hire studios for shoots, or come into contact with members of the public, you should give serious consideration to this cover. 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.

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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 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 £800m ($1.2 billion) in 2015.

    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.

We offer specialist cover for photographers based at home

If you're a photographer based at home, we offer a specialist homeworker insurance policy designed to cover the many risks facing your home based business. Home insurance policies rarely provide cover for business equipment or mistakes you make in your work, so it's vital you choose a home based photographers insurance policy that won't leave you exposed in the event of a claim.

We have over 20 years experience offering professional indemnity and liability insurance for professionals, so you can be assured you will be covering your business with a true expert.

Get an online quote now and insure your photography business today!

Cover starting at just £5 a month