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Photographer Insurance
Compare insurance for photographers
Photography insurance from 23p a day*
Business insurance for self-employed photographers and businesses
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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 in case you need financial protection against risks. For example, a visitor in your studio trips over a wire or cable or you suffer property damage.
Working events with clients can be risky. You might injure someone on-site, or your equipment might get damaged or stolen - this can end up being costly.
Photography insurance is a type of business insurance designed for the specific risks you might face as a photographer. It 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 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.
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. For example, slipping on a wet floor.
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.
Business interruption insurance
Provides compensation if material damage stops your business from running normally, for example fire or flood.
Start a quote online
Or speak to one of our team on 0800 032 7925
What isn’t covered by photographer insurance?
- 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.
How much does photography insurance cost?
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.
What type of photographers can we cover?
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.
Organise your photography insurance with Bionic
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.
Compare business insurance quotes
Or speak to one of our team on 0800 032 7925
How Bionic business insurance comparison works
Compare 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 through any questions with our team.
What do I need to get started?
You only need a few details to get started with getting a free business insurance 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
Photographer Insurance FAQs
How much should I cover my equipment for?
This depends on the value of your own photography equipment. You should work out the value of all your equipment and the cost to replace it. You should also check your policy to see whether your business equipment policy covers kit left in a vehicle and whether individual item limits apply. Insures may require you to store your equipment in a secure location set out in terms of the policy. Always check your own policy wording for details or speak to a broker if you are unsure.
Do you need photographer insurance for events?
If you're working events and interacting with the public when on the job, it's a good idea to consider business insurance to help protect you if anything were to go wrong.
It’s worth keeping in mind that some professional event venues may ask to provide proof of public liability insurance for photographers. For example, this could be at least cover for £1 million — before allowing you on site. Always check your own venue requirements ahead of your shoot.
Do you need photographer insurance for re-shoots?
No matter the nature of your work, you should consider the right insurance. A package insurance can help cover you for a set period of time, normally a year. Therefore, you’ll be protected if you need to reshoot, travel up and down the country or carry out other normal work activities.
Do freelance photographers need insurance?
Even if you’re a freelancer or self-employed, you should still consider insurance. If someone were to make a claim against you as you go about your work, you could end up having to pay compensation out of your work pocket without adequate insurance.
It’s worth considering that wedding venues or event spaces may ask photographers for proof of public liability insurance before letting you work on site.
Do you need insurance for a photography studio?
If you also own your own studio, you should consider commercial property insurance alongside public liability and possible other covers that could be included in a commercial combined policy. This is something your broker can speak to you about when helping you arrange the right cover. Building insurance cover could help protect your building in the event of fire, weather damage or other insurable events.
Do you need insurance for employees?
Yes, if you have any employees you must take out employers’ liability by law.
What happens if I lose a client's photos?
If your memory card corrupts or images are lost and a client holds you responsible, professional indemnity insurance could help towards the legal costs and any compensation you're required to pay.
What's the difference between public liability and professional indemnity for photographers?
- Public liability helps covers injury due to your photography services. For example, someone tripping over your kit, or you damage a venue's property.
- Professional indemnity helps cover mistakes in your work or professional negligence. For example, a client claiming photos were unusable because you missed key moments, or your camera glitches on the day of the event, and you are unable to provide usable photos.
Does photographer insurance cover work abroad?
If you only do a proportion of your work abroad, we may still be able to cover you, although this varies per insurer. Always tell your broker if you work abroad, or you may not be properly covered.
Can I get cover if I also do videography?
Yes. Many photographers also shoot video, and a single policy can often cover both as long as it’s declared when arranging a quote. Start a quote online today to get started.
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