Insurance in Photography
insurance for photographers' businesses
- Focus your cover quickly and easily to fit your photography business.
- Public liability insurance, professional indemnity insurance, and more
- having the freedom to alter your cover as your photography business expands
- Access to a 24-hour legal tax helpline and coverage for your legal costs
You take care in capturing the ideal moment, whether it's for editorial/publications work, product pictures, weddings, or family portraits. Additionally, each form of photography business requires a unique mix of expertise and specialised tools. You should safeguard the fact that you are doing what you love.
As a result, you require coverage that is tailored to your specific requirements.
Why is insurance necessary for my photography company?
Photography is an artistic activity. You'll frequently use pricey equipment and complete tasks in strange or congested environments. Your company may be held responsible if someone trips over a wire or if you unintentionally damage their property while on a shoot.
We would pay the costs of a claim brought against your company under our public liability insurance, sparing you from a payout that you might not be able to afford.
Do you offer coverage for cameras and photographic gear?
Yes, you can insure your cutting-edge cameras, high-end lighting, and laptop. You can insure one or more goods, and you can choose from different levels of coverage up to £10,000. A 10% overage of the claims amount (minimum £100, maximum £500) exists.
Your equipment may be protected both at home and on location, depending on the insurance policy you choose, but it's important to keep in mind that theft from an unlocked car or trailer won't be.
What doesn't photography insurance cover?
You'll be protected in almost all work-related situations. A few things are an exception:
- drones and aerial photography
- Aquatic photography
- Locations at risk
- Claims resulting from missing or subpar photos
You can extend coverage for copyright violations, data protection violations, defamation of character, and document loss with professional indemnity insurance.
Do event photographers need insurance?
Yes. You may be subject to a costly lawsuit for damages or legal fees if someone trips over your equipment or if you damage the property where the event is being held. Additionally, you might wish to get your personal equipment insured in case of any mishaps.
Can I purchase solely public liability insurance?
Yes. When you receive a quote, you can decide whether or not you only want to purchase public liability insurance. Public liability insurance from AXA costs as little as £57* per year.
How much general liability coverage is required for photographers?
Your business will determine this. You will, however, receive up to £5 million in compensation claim coverage, up to £1 million in legal cost coverage, and up to £250 per day in court attendance fees if you choose our public liability plan.
How much is the insurance for photographers?
Your insurance's cost will be influenced by the types and levels of protection you select, as well as the nature, size, and location of your company.
You just pay for the parts you require and not the parts you don't because of our adaptable, custom-fit cover.
Which insurance would be best for my photography business?
You can choose a cover from the list below for your company insurance to protect you. Create your own special insurance package based on your own requirements, and only pay for what you need:
