Photographer Insurance

If you’re a freelance 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:

• A wedding guest trips over a tripod and claims for a personal injury 
• A camera kit worth thousands is stolen on-site 
• A memory card corrupts after a wedding shoot and the client pursues compensation for lost images 
• A commercial client says photos didn't match the agreed brief and makes a claim against you
• You accidentally damage a venue's property while on a shoot 

Whether you are self-employed or run a small business, having the right photographer insurance can help if you have to pay out of your own pocket if someone makes a claim against you or if you need to make a claim. Wedding venues or event spaces may ask photographers for proof of public liability insurance before letting you work on site. 

• 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. 
• Pre-existing damage — Equipment that was already damaged before your policy starts won't be covered. 

IIf you work with drones, you should always declare this to your broker. Cover for drones is not always included as standard, and at Bionic we can’t cover drone usage. Always check your own policy wording or speak to a broker if you are unsure on what’s included in your policy. 

Prices could start from 23p a day*But your business is unique and photography insurance costs depend on several factors, including:  

• Location – Where you work will be taken into account. Areas seen as a higher risk may come with higher premiums.  
• Type of photography work – If you work from a height doing any ariel work, this may be seen as riskier by insurers compared to portrait studio work. 
• Cost of photography equipment – The more expensive your equipment, the higher your costs might be. 
• Claims history – Any previous claims you have made may be taken into account by your insurer and may influence premiums. 

Start a quote online to find out how much you're looking at paying for an annual policy. 

_{*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

No matter your niche, you should consider photographer business insurance. We can help with: 

• Freelance photographer insurance 
• Wedding photographer insurance 
• Commercial photography insurance 
• Sports photographer insurance 
• Family photographer insurance 
• Documentary photographer insurance 
• Portrait photographer insurance 
• Fine art photographer insurance 
• Fashion photographer insurance 
• Pet photographer insurance 

We can also help videographers arrange photography business insurance. Even if your niche is not on this list, we should still be able to help. Start a quote online to see your options. 

At Bionic, we support UK business owners daily. We know that one-size-fits all insurance isn’t always the best option, that’s why we work with a panel of trusted insurers to help you find coverage that fits your needs.  

We cut through the jargon to help you understand what cover is available to you. Get in touch with us by starting a photographers insurance quote online.