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Photography business insurance

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Compare business insurance quotes from major UK insurers such as:

We compare many of the leading business insurance brands including:

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Do I need photography insurance?

Photography insurance refers to a bundle of different types of business insurance that's been developed to meet the special needs of photographers.

No matter how careful you are, it's impossible to predict what might happen in the future. With photography insurance, you can be sure that if there's a problem relating to your work, your insurance can cover you for any costs - that's everything from replacing damaged equipment to compensation payments if someone gets hurt.

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How does photography liability insurance work?

As a photographer, there is a good chance that you regularly interact with the public as part of your work. With this, there is the risk that at some point you may be held liable for an accident, causing injury to someone or damaging their property.

Public liability insurance will protect you against such claims, helping you afford the legal costs associating with contesting a claim as well as paying compensation if the claim is successful.

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What types of insurance do photographers need?

There are many different types of business insurance to choose from. The right insurance products for you will depend on your needs and the way you run your business. Here are the insurance types that may be the most valuable to photographers.

  • Public liability insurance

    When you're working with members of the public, there's always the risk of an accident. This protects you against any costs involved in liability claims

  • Professional indemnity insurance

    You want your clients to be happy with the work you do - but if they're not, professional indemnity insurance covers you for all claims

  • Tool insurance

    This cover protects all your equipment, wherever you take it, if it is lost, stolen, or damaged. It will also cover any prints or photos you keep on your premises

  • Employers' liability insurance

    If you have anyone working for you who isn't an immediate family member, this insurance is a legal requirement - even if they're a volunteer

  • Home business insurance

    If you run your photography business from your home, this insurance will make sure that all of your important equipment is protected

  • Business interruption insurance

    If an event occurs that interrupts your business operations, interruption insurance will cover you until you're back on your feet

What does photography insurance cover?

Photography insurance has been designed to help out with the specific issues photographers might face. However, there are a few things that aren’t included. Here’s an outline of what photography business insurance can offer: 

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    What's included

    • Your cameras and equipment: If the tools of your trade are lost, damaged, or stolen, it can seriously disrupt your business – but insurance can pay for them to be repaired or replaced 

    • Third party claims: If someone is injured because of your work, insurance makes sure you don’t have to bear the costs yourself – it’ll pay out for legal expenses and any damages 

    • Unhappy clients: There are situations in which a client might sue – if their photos are lost on a corrupted memory card, or you release private photos. Again, insurance will cover your costs 

  • Cross

    What's not included

    • Special situations: Some insurers won’t cover you if you’re using drone cameras, shooting underwater, or in dangerous locations, so you might need specialist cover 

    • Costs beyond your cover: Your insurer will only pay what you’re covered for – which could be a problem if you’re covered for £1 million but ordered to pay £2 million in damages. That’s why it’s crucial to choose the right level of cover 

    • Your excess: All insurance comes with an excess – that’s the amount you’ll have to pay yourself towards any claim. A bigger excess usually means cheaper premiums – just make sure it’s an amount you’ll be able to pay 

How much does photography insurance cost?

The cost of your business insurance policies can depend on a number of different factors, such as:

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    Insurance type

    The different types of insurance for your photography business will have different prices

  • Plus

    Business size

    The number of employees and your annual turnover will affect the cost of insurance

  • Plus

    Claims history

    Insurance will be more expensive if you have a history or making claims or facing legal action

  • Plus

    Excess

    You can volunteer to cover some of the costs of your claims, which can reduce the cost of your policy

  • Plus

    Equipment value

    If you are insuring your business's equipment, the value will affect your insurance cost

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    Cover level

    It can be expensive to over-insure yourself, so be careful not to take out more cover than you need

Compare photography business insurance with MoneySuperMarket

Comparing insurance quotes for your photography business with MoneySuperMarket is quick and simple.

  • Tell us about your business

    We'll ask you a few questions about you and your business to help us narrow down your search for insurance

  • We'll fetch cheap quotes

    We'll collect quotes from UK insurance providers for policies that match your requirements, showing you the best deals

  • Compare and click

    Compare quotes and click on your chosen offer to apply for your policy on the provider's website at the price you see - no hidden extra costs

The amount of cover you need will depend on the type of business insurance you're applying for.

For a policy like tool insurance, you should look at the value of your equipment when deciding the right level of cover. Your insurance cover should be able to cover most if not all of the cost of replacing your equipment if something happened.

For policies like public liability insurance, you should consider how much you can reasonably afford and the value of your business. Your policy should be reasonably affordable whilst also providing good value cover.

Professional indemnity insurance is an insurance usually geared towards businesses that provide products and services to other businesses. Photographers that work with businesses to produce promotional material or handle protected material like private date or copyrighted material are likely to benefit from this type of insurance. But there's also no guarantee that a regular non-business client who is unhappy with your work won't try to make a claim for professional indemnity as well.

Overall, professional indemnity insurance isn't a required business insurance, but it can offer valuable protection and cover large legal costs.

While home insurance can offer some protection for your home office items, in some cases it may be lacking if you want to protect your business equipment.

For example, many home insurance policies have a per-item cover limit. Some expensive photography or studio items, in this case, may not be covered for their full value if you need to make a claim. At the same time, client data and information stored on a home computer may need extra protection to cover your losses, and home insurance limits may not consider this.

Overall, if you operate your business from your home, you may find greater protection from a home business insurance policy than a standard home insurance.

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