Specialist cover for photographers from as little as £5 a month
Fast, easy online quote in 90 seconds
24hr legal advice helpline included
No hidden fees or cancellation charges
Cover starting at just £5 a month
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 choose Markel’s insurance?
With over 25 years of expertise insuring contractors, consultants and self-employed professionals, Markel has an unrivalled understanding of the risks that you face in the workplace.
Markel are regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which can be found on the Financial Services Register.
Markel is a division of Markel International, a Lloyd’s and London market insurer which wrote gross premium totals of ££750 million ($1.0 billion) in 2017.
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.
24 hour legal advice helpline
When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.
Markel Law Hub access
In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.
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.
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.