Wedding photographers’ insurance

Do wedding photographers have to have insurance?

No. But the Society of Wedding and Portrait Photographers strongly recommend you have it. It’s likely your clients expect you to have it, too.

The Health and Safety Executive says you have to have employers’ liability insurance if you have employees. Just be aware their definition of employees covers helpers, unpaid volunteers, temps, and those on work experience as well as ‘normal’, permanent, full-time and part-time staff.

What insurance do wedding photographers need?

The vast majority of wedding photographers’ claims are for damaged or lost equipment. That doesn’t sound too serious, but a broken lens doesn’t just cost money – it could cost business too. Insuring your bits and pieces means you’re not faced with a big bill, or a disappointed client.

Assuming you don’t have eyes in the back of your head, public liability insurance is a good idea. If you or something of yours damages a person or their property, you could be presented with the bill. Public liability insurance means your insurer pays it instead.

Professional indemnity insurance (PI) covers your work. Or more accurately, covers clients (and others) suing you because they’re not happy with your work. Allegations take time, money and legal know-how to fight. Having PI insurance means you don’t need any of these things.

How does professional indemnity insurance protect me?

Of course you’re conscientious and professional. But sometimes even the most professional professional makes a mistake. Or has a client accusing them of making a mistake. If you’re on the receiving end of a claim, your insurance pays to defend you and, if you’re liable, picks up the tab for compensation too.

It covers you, your business and your reputation.

What kind of problems are covered by professional indemnity insurance?

Weddings cost a small fortune. If your clients aren’t happy with your photos, who’s going to pay for a reshoot? What if your studio equipment fails and you can’t meet a print deadline? If the happy couple turn out not to be, and it’s your fault, your policy should cover it.

And it’s not just your clients who can cause problems. In the digital age, accusations of intellectual property infringement from third parties are common. Your insurance helps prove your great idea was your great idea.

Why choose us?

Weddings are your bread and butter. Insurance is ours. We’re really good at what we do. Because it’s all we do.

We’re always working hard, trying to find the right insurance for small businesses and freelancers like you.

Our team of friendly advisers are here to chat with you about any insurance-related questions you might have. No phone menus, no jargon. Just straightforward, honest advice.

Or if you prefer the digital route, you can get a quote and buy your policy online. It’s totally hassle-free and will only take you a few minutes.

What more do you need?

How about a free ‘I’m insured’ badge for your website and a reward for recommending us?

Oh, and don’t forget to read our customer feedback. It’s pure gold... platinum actually.