Photo booth insurance
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Rated 4.7/5
Based on 39,770 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is photo booth insurance important?
From set-up and the event itself to packing away and transit – wherever your bookings take you, photo booth businesses face specific risks. Public liability insurance is a popular support, providing cover for third party injuries and property damage. You can add protection for professional indemnity claims, plus employers’ liability and equipment cover.
- photo booth business insurance, UK claims and customer contact centre
- rated 4.7/5 based on 39K+ public liability customer reviews
- optional personal accident cover, in case an accident stops you working
What does photo booth business insurance cover?
Typically, we’ll start with photo booth public liability insurance, built to cover businesses like yours against third party accidents, from injuries to property damage. Most quotes also build in employers’ liability insurance for your team, if you have one. From there, you can add specific cover for your booth, other specialist equipment, and stock, depending on your business needs.
Photo booth public liability insurance
In case your photo booth business causes an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for you.
Professional indemnity insurance for photo booths
In case there’s a claim for loss-causing errors or issues with your work.
Business and office equipment insurance
In case something happens to your booth and equipment.
Stock insurance
In case the materials you rely on for work are lost, stolen, or damaged.
Legal expenses insurance
In case you face legal costs in connection with your photo booth business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
Photo booth public liability insurance
In case your photo booth business causes an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your photo booth business
- an injury or illness caused by your business activities
- accidental damage or injuries caused by your employees
For example:
- a guest at the wedding you’re booked for trips over a cable from your booth, injuring their knee and hand
- while removing your photo booth from your client’s premises, you damage their wall
What you’ll need additional cover for
- unattended photo booths – in general, the insurers we work with only provide cover while your photo booth is attended
- if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your employee injures their lower back while moving the photo booth between rooms at a Christmas party venue
- back at the office, your summer temp traps their hand in a broken window frame, causing long-term nerve damage
Professional indemnity insurance for photo booths
In case there’s a claim for loss-causing errors or issues with your work.
What’s typically covered by professional indemnity insurance?
Claims against your photo booth business for professional negligence or a loss-causing breach of contract. This can include:
- advice which turns out to be incorrect
- mistakes in your work that cost others money to fix
For example:
- you guarantee a certain amount of business generated by your photo booth for a client, and this isn’t delivered, causing them a financial loss
Read more about professional indemnity insurance
Business and office equipment insurance
In case something happens to your booth and equipment.
What’s typically covered by business and office equipment insurance?
- accidental damage to the equipment you use to run the business
- theft, flood, and fire damage
For example:
- someone breaks into your storage unit and steals multiple items, including three booths booked for rental
- a fire at your client’s venue damages your booth and magic mirror equipment beyond repair
Read more about business and office equipment insurance
Stock insurance
In case the materials you rely on for work are lost, stolen, or damaged.
What’s typically covered by stock insurance?
- loss, damage, or theft of things like memory cards, marketing materials, and other accessories
For example:
- you’ve ordered several units of bespoke photo frames for a trade show booking, which get lost in transit to the venue
- a fire at your storage unit destroys your entire stock of branded accessories
Read more about stock insurance
Legal expenses insurance
In case you face legal costs in connection with your photo booth business.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your photo booth business
- property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
- tax and compliance disputes and investigations you need help with
- access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help you protect your trade reputation
For example:
- your employee is injured at work while moving equipment between venue spaces, and you incur legal costs when they raise a claim
- you bring a claim against a venue when your booth is damaged by their staff, and need to pay for legal representation
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
What’s typically covered by personal accident insurance?
- accidental injury or death at or outside of work, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you break your leg while jogging, and can’t work at full capacity for eight weeks
- your business partner falls down some stairs while working at an event, fracturing their elbow
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does booth insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
Example photo booth insurance quotes, real prices
£8.87 /month
£68.68 /month
Independent attended photoboth business, hiring to local events and weddings
- 2-3 years' experience
- Sole trader
- No employees
- Based in Bradford
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
£50,000
£66.67 /month
£592.63 /month
Limited company hiring attended photoboths to events and weddings nationally
- 5+ years' experience
- Limited company
- 2 employees
- Based in Surrey
Public liability
£5,000,000
Employers’ liability
£10,000,000
Professional indemnity
£250,000
How we work out example quotes These examples are real quotes from our online system (created 12/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does photo booth insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does photo booth insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider photography insurance or videographer insurance?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
Example claim
Having photo booth insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Jenny saved more than £320
Jenny (not her real name) arrived at her client’s corporate event, and found her touchscreen had been smashed in transit. The optional business and office equipment cover in her photo booth insurance policy helped cover the accidental damage.
Insurance payout
£325.99
Covering the cost of accidental damage
Jenny’s costs
£100
The excess amount stated in Jenny’s policy terms
Chosen by 900,000 small businesses and landlords
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Photo booth insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about photo booth public liability insurance and other popular covers. You can also check out our business insurance FAQs.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you work with photo booths, you may also do the odd photography job for clients – you’ll need additional cover for this, but you can have it all on the one policy.
When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
Helpful articles for photo booth operators
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