Photographers insurance
Capture the special moments with comprehensive insurance

Business insurance for Photographers
Photographers' insurance is designed to protect professional photographers from the unique risks they face in their day-to-day work. Whether you're a freelance photographer or run a larger photography business, this insurance offers vital protection for your equipment, liability, and business operations. From safeguarding your expensive camera gear to covering potential legal liabilities, Photographers’ insurance ensures that your business is protected, allowing you to focus on capturing the perfect shot without worry.
Why do photographers need the best insurance policy?
In the photography business, unforeseen events can quickly turn a dream job into a nightmare. Whether you're managing a large studio or working as a freelance photographer, having the right camera insurance policy is essential to protect your business, your clients, and yourself from potential risks. Here are four scenarios were having comprehensive Photographers' insurance can make all the difference:
Creative differences with the employer:
Sometimes, a client may be dissatisfied with the final images due to creative differences, which could lead to claims of professional negligence. In such cases, professional indemnity insurance can cover legal costs and any compensation awarded, protecting your reputation and financial stability.
Injury to a wedding guest:
Imagine you're photographing a wedding, and a guest trips over your equipment, resulting in injury. In this situation, public liability insurance covers the legal and medical expenses, while legal cover helps manage any claims made against you, ensuring your business isn’t financially burdened by the incident.
Business interruption insurance:
A sudden disaster, like a fire at your studio, could halt your operations, leading to lost income. Business interruption insurance helps by covering the lost revenue during the downtime, allowing you to focus on rebuilding without the stress of financial loss.
Employer’s liability insurance:
If you employ staff, there’s always a risk that one of them could become unwell or get injured while working. Employers liability insurance covers the medical expenses and any potential compensation claims, ensuring your business is protected against such unforeseen circumstances.
Policies that safeguard your professional photography & videography equipment
Photographic and video making equipment:
Protect your cameras, lenses, and video equipment from accidental damage, theft, or loss, ensuring you’re always ready for your next shoot.
Film and image processing equipment:
Guarantees that you can continue producing high-quality work, even if your tools are damaged or malfunctioning.
Lighting and ancillary equipment:
Keep your lighting and other essential gear safe, with insurance that covers accidental damage or breakdowns, helping you maintain the perfect setup.
Props, sets, and wardrobes:
Ensure your props, sets, and wardrobe items are covered against damage or loss, so your productions can continue smoothly without unexpected expenses.
Laptops and portable electrical equipment:
Your laptops and devices are covered, so you can safeguard your data and ensure your workflow isn’t interrupted by unexpected issues.
Hired-in equipment:
If you rent or hire equipment for specific projects, our policy extends cover to protect these valuable assets as well, offering peace of mind.
Stock, samples, and goods held in trust:
Protects any stock, samples, or goods you hold on behalf of clients so you’re not liable for unforeseen damages.
Editing and recording equipment:
Your editing suites and recording devices are insured against damage or theft, helping you complete your projects on time and to the highest standard.
Getting a quote is very simple
Tell us about your gear: Share details about your camera and camera equipment, so we can tailor the cover to your specific needs.
Tell us about your work: Provide some basic information about you and your work, helping us understand how to best protect your valuable assets.
Choose your coverage options: Specify the insurance excess and any policy add-ons you’re interested in to customise your package.
Get an instant quote: Receive a personalised quote from our brokers, designed to offer the best protection for your camera gear.

Protect your photography equipment
Request a quoteGet in touch with our team
Call usOptional add on covers available
We can also offer you the following covers if you wish to add them to your policy, providing extra protection tailored to your photography business needs:
Professional indemnity: Protect yourself against claims of professional negligence, ensuring you're covered if a client is unhappy with your work.
Buildings & contents: Safeguard your studio and all its contents from damage, theft, or loss, ensuring your workspace remains secure.
Fine art and collections: Cover valuable artwork and collections in your studio, protecting them from accidental damage or theft.
Equipment breakdown: Ensure you're covered for the repair or replacement costs if your critical photography equipment suddenly fails.
Business interruption: Protect your income if your business operations are disrupted by an unforeseen event, helping you stay afloat during downtime.
Money with assault extension: Secure your business's cash on hand and protect yourself against the risk of assault during money transfers.
Personal accident: Get cover that provides financial support if you or your key staff are injured and unable to work.
Legal expenses: Cover legal costs that arise from disputes or claims, ensuring your business isn't burdened by unexpected legal fees.
FAQs around Photographers insurance
Yes, many photographers insurance policies, including those from Howden, can cover your equipment and liability when working abroad, but it’s important to confirm international cover is included.
The cost of your photographer's insurance policy varies depending on the size of your business, and the risks involved.
Absolutely, wedding photographers should be insured to protect against potential liabilities, equipment damage, and client disputes that could arise during high-pressure events.
A freelance photographer typically needs professional indemnity, public liability, and equipment insurance to cover legal risks, accidents, and gear damage.
Yes, photographers should have insurance for events to cover potential liabilities, such as accidents or equipment damage, ensuring they’re protected in any situation.