shadow

Photography insurance

Click with confidence

Pick a photography insurance package (if your turnover's under £50,000) or build your own.

Essential
Photography equipment: £5k
Public liability: £1m
Professional indemnity: £50k

£18.55

a month

Classic
Photography equipment: £10k
Public liability: £1m
Professional indemnity: £50k

£26.06

a month

Pro
Photography equipment: £15k
Public liability: £2m
Professional indemnity: £100k

£37.98

a month

Essential

£18.55

a month

Photography equipment: £5k
Public liability: £1m
Professional indemnity: £50k
Classic

£26.06

a month

Photography equipment: £10k
Public liability: £1m
Professional indemnity: £50k
Pro

£37.98

a month

Photography equipment: £15k
Public liability: £2m
Professional indemnity: £100k

Focus on the big picture: protecting your business

Your expertise is recording the images and creating memories that last forever. But if you make a mistake, your client's special day could be remembered for all the wrong reasons.

If things do go wrong, photography insurance keeps you safe. So get clicking.


Do photographers have to have insurance?

No. But if you’re a member of the British Institute of Professional Photography or Master Photographers Association, public liability insurance and professional indemnity insurance are compulsory.

If you have employees (including part-timers, unpaid helpers, temps and interns) the Health and Safety Executive wants you to have employers’ liability insurance too. That’s the legally required one.

What insurance do photographers need?

In our experience, most photographers’ claims are for broken or lost equipment. Aside from the inconvenience, being without the stuff you need costs time and money. It needs looking after – and it’s unlikely you can afford to replace all of it in one go. Insuring it means you don’t have to.

You’ll need public liability insurance too, because other people and their property also need looking after. If you or your equipment accidently damage something or someone, you can be looking at a big bill to compensate them or fix what’s broken. Public liability insurance means your insurer picks up the tab instead.

If you value your reputation, it’s probably a good idea to have some professional indemnity insurance. This one covers the work you do, and the consequences of a client thinking you’ve not done it very well (even if you think you have).

How does professional indemnity insurance protect me?

If a client is unhappy with your work, professional indemnity insurance pays for your defence costs and any compensation you're liable for if they decide to sue you. Even if you've not actually done anything wrong.

It's cover for you, your business and your reputation.

What kind of problems are covered by professional indemnity insurance?

Professional indemnity insurance covers you if your clients don't like the photographs you've taken for them or if a technical problem with your equipment means you can't do something you said you could. So, it could pay the cost of reshooting wedding photos if the happy couple aren't.

It also covers you for things like infringement of intellectual property and breach of confidentiality. Useful in this information-is-everywhere age.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we're doing. Professional insurance is all we do so we know what you need, even if you don't.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.

Anything else? Well, there's the free stuff you get, such as MOO Minicards. We have an 'I'm insured!' badge for your website too – perfect for the professional professional.

Also, you get to talk about your business in front of thousands on our blog, and we'll give you money each time you recommend us.

Plus, every insurance-related question you can think of is answered in our School of Risk, and you'll get our quarterly risk advice email – 'The Waggle' – to help you avoid problems in the first place.

If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.

Risk tips for photographers
School of risk for photographers

Focused help

Photographers looking for insurance advice aren't helped too much by the internet.

Google 'photographer's insurance' and you get a world of insurance to buy, but little help on what you need.

Until now that is.

Read more...

Buy online in minutes. Less admin, more business!
yay banner image
  • No admin charges
    For anything, ever
  • Buy online in minutes
    No forms, no fuss
  • Speedy service
    Less admin, more business
  • Interest-free Direct Debit
    Your budget, your way
What our customers say
testimonial quotation mark

All clear and well explained. Also really good value for money, especially with monthly payments with no additional charge.

Excellent service and answered all my questions and concerns about the policy.

Thank you.

It was refreshing to talk to someone who wanted to help, rather than just push selling the insurance!

Very quick and easy to set-up, thank you for the advice to make our new business get off to a good start, with the cover we need tailored to what we do!

Insurance stuff always confused me, but I have to say it couldn't have been easier to set up my insurance for my wedding photography business.

All done in less than 15 minutes and the monthly payments really come in handy!

Feefo Feedback
More customer feedback feefo-slide-right

Need help?

No problem – we'll call you.

Sarah Adams - our photographers' insurance expert

I'm Sarah,
our photographers' insurance expert.

Got a question? Need a quote? Call me on
0845 872 5085, or click
'Call me back'.

shadow