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Photographer Insurance
Compare insurance options for photographers
Business insurance for self-employed photographers and businesses
Protect against claims made by clients, employees or the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, sole traders and partnerships
Get tailored cover to protect against claims from customers and the public
Get the protection you need with no needless extras
What is...
photographer insurance?
When you’re busy working to get the perfect shot, insurance is probably the last thing on your mind. But, you should consider it, incase you need financial protection if things go wrong as you go about your work.
Working events with clients and the public comes with risks. Your clients may not be happy with your work, you might injure someone, or your equipment might get damaged - this can end up being costly.
Photography insurance can help you cover the costs of claims or legal fees, so you can go about your work with peace of mind.
Why do photographers need insurance?
If you’re a self-employed photographer or run a small photography business, you might be working events and dealing with customers and the public. This can lead to risks that you should protect yourself from. For example:
- You injure yourself on a shoot or someone else
- Someone steals your valuable camera gear
- A fire or accident disrupts your business operations
- You accidentally damage a venue’s property
Having the right insurance can help prevent you from having to pay out of your own pocket if a customer, employee or member of the public makes a claim against you or if you need to make a claim.
what type of insurance can photographers include?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Building Insurance
Protects your building from property damage, including fires, storms, floods, arsonists and vandalism.
Business equipment insurance
Covers the costs of repairing or replacing essential equipment, such as expensive camera lenses and tripods.
What isn’t covered?
- Business vehicles - We’re not able to cover any vans or other vehicles used for business purposes. You should arrange this separately.
- Intentional damage - Any damages that are intentional or malicious won’t be covered by your policy.
- General wear and tear - General wear and tear of your building and photography equipment is not covered in your policy.
How much does photography insurance cost?
How much you’ll pay annually will depend on a number of factors, including the size of your business, its location, the type of policy purchased, coverage limits and previous claims history.
Start a quote online to find out how much you’re looking at paying for an annual policy.
What type of photographers can we cover?
No matter your niche, as a photographer, you should consider insurance. We can help arrange cover for many types of photographers, including:
- Wedding photographers
- Commercial photographers
- Sports photographers
- Family photographers
- Documentary photographers
- Portrait photographers
- Fine art photographers
- Fashion photographers
- Pet photographers
- Freelance photographers
Even if your niche is not on this list, it’s likely we can still help you. Start a quote online to see your options.
Organise your Photography Insurance with Bionic
At Bionic, we support UK business owners and want to help in every way we can. That’s why we have knowledgeable insurance brokers who work with a panel of trusted insurers to find you the insurance that fits your business needs.
Get started by comparing business insurance quotes online today.
“The right insurance protects photographers from equipment damage, liability claims, and unexpected professional challenges, so you can focus on capturing that perfect moment."
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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