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What is photographers insurance?
Photographers insurance is specialised business insurance for photography firms, sole traders and freelancers.
You can buy different types of insurance:
Public liability insurance - covers costs if members of the public are harmed
Professional indemnity insurance - covers costs if clients are harmed
Employers liability insurance - covers costs if employees are harmed
Do I need business insurance?
🚩 Employers liability insurance is a legal requirement if you have staff
🚩Clients and professional associations may insist you have insurance
Whether you own a photography company or are a self-employed photographer, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying some very high costs if your equipment is stolen, someone gets hurt during a shoot, or a client accuses you of breaching a contract.
Why do photographers need business insurance?
A client is unhappy with your work
Considerable time, effort and expense often goes into the situations and events that call for a photographer. That raises the stakes when a client believes you've provided an unacceptable level of service.
If a corrupted memory card means you lose someone's wedding photos, or not sticking to your brief means a corporate client can't use your images and misses a campaign deadline, they may take you to court. Professional indemnity insurance can financially protect you from such claims.
Even if nothing goes wrong, some client will be wary about hiring a photographer who does not have comprehensive policies in place.
Avoid a £2,500 daily fine
If you are a UK business and you have any non-family members working for you then by law you must have employers' liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured. Employers liability insurance covers the compensation costs if a worker becomes ill or injured because of their work for you. This includes ex-employees.
Your equipment is damaged or stolen
Photography gear is expensive, easily damaged and attractive to thieves. You can protect your equipment and materials from fire, flood, theft and other disasters in a few different ways:
Business contents insurance - for issues that happened at your home or office
Portable equipment insurance - for when you're at a shoot or travelling to work
Stock insurance - for any materials you have, like promotional flyers
Legal support if you're sued
You can be taken to court if someone believes they or their property has been physically or financially harmed because of your company's business activities.
Photographers could be found liable for everything from providing poor-quality wedding photos to creating a trip hazard with their tripod.
Professional indemnity insurance can cover the legal fees and compensation payouts in the event of a claim for breach of contract. Public liability insurance is for physical damages.
Maintain your income if you go off work
Income protection insurance can replace your salary if you have to take time off work for ill health, so you don't have to worry about paying your bills or maintaining the lifestyle of your family.
Did you know?
£68 million in insurance claims ^
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Why should I use MoneySuperMarket?
Comparing quotes from different insurers allows you to find the best deal out there.
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What insurance should a photographer have?
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Professional indemnity
Professional indemnity insurance protect you against claims of negligence.
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Public liability
Public liability insurance protects you if your work harms members of the public.
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Employers' liability
Employers’ liability insurance protects you if your staff become ill or injured at work.
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Business contents
Business contents insurance protects equipment, including in home offices.
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Stock insurance
Stock insurance protects you if your items are lost, stolen, or damaged.
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Legal expenses
Legal expenses insurance covers legal fees and offers legal and tax support services.
How much does photographers business insurance cost?
(Per Year) | Cheapest | Average |
|---|---|---|
Photographer | £60.35^ | £63.29^ |
The table shows the average prices paid by our customers for photographers insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
What’s the cheapest price I could pay?
£5
.03^ a month
According to our latest data, 10% of customers paid this when taking out an annual photographers insurance policy.
How much is the average business insurance claim?
£3,377^
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
How likely is it that my insurance claim will be accepted?
Almost 9 in 10
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
What does photography insurance cover?
Different insurance products will offer different cover. Always check your own policy documents for details about your specific insurance.
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What's included
Cameras and equipment: Cover to repair and replace equipment that is damaged or stolen
Client disputes: If someone's not happy with your work or believe you acted negligently
Compensation: Payouts to third parties that had their person or property harmed by your work activities
Legal expenses: For things like employment disputes, contract disputes, and tax investigations
Accidents and illnesses: Payment if you or an employee are hurt and no longer able to work
Accidental death: Offers a lump sum should you or an employee die as a result of an unforeseen incident
Business contents: Covers items such as office furniture or computers and phone systems if they’re damaged or stolen
Stock insurance: Protects you against damage to material items, for example from fire or water damage
Business car insurance: Standard motor insurance policies won't usually cover vehicles that are used for work
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What's not included
Intentional harm or damage: Either by yourself or an employee
Deliberate breach of contract: Insurers will not cover costs arising from you choosing not to do something you agreed to do
Drones: Some insurers won’t cover you for drone cameras
Underwater photography: More dangerous types of photography require specialist cover
Wear and tear: Insurance won't pay out for damage or breaking of equipment due to age or regular use
Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred
Improper use of business vehicles: If you're using vehicles for work purposes without declaring that to your insurer, or if the person driving is not covered by the policy
Costs beyond your cover level: Insurance usually has cover limits which is the maximum the insurer will pay out
Your excess: All insurance comes with an excess – the amount you’ll have to pay yourself towards any claim
Do photographers need to have insurance?
There is no legal requirement for photographers to carry a specific type of insurance. However, if you are a professional photographer, most venues will want you to have a general liability policy. This helps keep both the photographer and the location protected should anything happen.
What insurance do I need as a photographer?
Public liability insurance will protect you against claims if someone is injured as a result of your work.
Professional indemnity insurance will cover your business for negligence or other professional mistakes. It will cover contesting a claim as well as paying compensation if the claim is successful.
Do I need professional indemnity insurance as a photographer?
There is no legal requirement to have professional indemnity insurance.
However, it can financially protect you if a client takes you to court for being professionally negligent. This could be because they believe you misused copyrighted materials, inadequately protected personal data, or breached your contract. You can be sued for breach of contract because a client thinks the photos you took were bad, or because you had technical issues that stopped you from providing the full photography service you'd agreed to.
How much cover do I need as a photographer?
The amount of cover you need will depend on the type of business insurance you're applying for and how much you could afford to cover yourself if something went wrong. For example, if you're insuring your camera equipment you should make sure it will cover the cost of anything you couldn't easily replace yourself.
If you buy public liability insurance through us you can choose between three cover levels: £1 million, £2 million and up to £5 million. Cover levels for this type of insurance are high because legal fees and compensation claims can be incredibly expensive.
Will my home insurance cover my photography business?
Home insurance can offer some protection for your home office items, but it may not protect all your business equipment. You will get more protection from a specific home business insurance policy.
For example, many standard home insurance policies have a per-item cover limit. Some expensive photography or studio items may not be covered for their full value if you need to make a claim. Client data and information stored on a home computer may also need more protection that standard home insurance can provide.
Is it worth getting insurance for a camera?
Cameras for professional photographers can be very expensive. The right insurance could protect your device and accessories from theft, mechanical breakdown, accidental damage and loss.
If you cover your camera on your home insurance, check if this covers you for business use.
Our expert says…
For photographers, your camera and kit are essential to your business and livelihood, however they can be at risk during events, shoots or transit. Having a solid photography insurance policy for your business means you’ll be protected against theft, accidental damage or even public liability, if someone is injured by your equipment.
It’s also a good idea to have professional indemnity insurance in case a client makes a claim against you for negligence.
Jake Edmonds Travel & Commercial Insurance Expert
What other trades could I get insurance for?
Compare business insurance quotes from leading UK insurers
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Is business insurance eligible for SuperSaveClub and rewards?
No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Who are Simply Business?
Simply Business is one of the largest insurance brokers in the UK. They work with leading and specialist insurers to provide cover for small business owners, landlords and self-employed workers.
MoneySuperMarket has a commercial partnership with Simply Business. They offer various business and landlord insurance policies from different insurers through our platform, allowing our customers to find affordable quotes and policies that suit your specific needs.
Reviewed on 10 Dec 2025 by
According to Simply Business data, 10% of customers paid this amount or less monthly for a photographer insurance policy. Figure based on annual policies purchased in 2024.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
According to Simply Business data, 51% of customers paid this amount or less for an annual Photographer insurance policy. Figure based on policies purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less for an annual Photographer insurance policy. Figure based on policies purchased in 2024.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
Simply Business data 2024
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.