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Photography insurance helps you spend more time doing the work you love and less time worrying about mistakes and accidents. Whether you drop your camera, your kit is stolen at an event, or your photos fall short of your client’s expectations – photography insurance can guard against unplanned costs.
Because you know your business best, you decide what to include in your photographers’ insurance policy. We offer a range of options to protect you, your clients, your reputation, and the equipment you’ve invested in, so you can customise your cover to meet your needs.
Public liability insurance
In case you accidentally injure someone or damage their property.
Employers’ liability insurance
In case your employee is involved in an accident or mistake while they’re working for you.
Portable equipment insurance
In case something happens to your photography equipment while you’re out and about.
Stock insurance
In case something happens to the materials you’re responsible for.
Business and office equipment insurance
In case your photography equipment is lost, damaged or stolen.
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Personal accident insurance
In case you or anyone you've covered has an accident.
Professional indemnity insurance
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
In case you accidentally injure someone or damage their property.
What’s typically covered by public liability insurance?
Claims against your business for:
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case your employee is involved in an accident or mistake while they’re working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
**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:
In case something happens to your photography equipment while you’re out and about.
What’s typically covered by portable equipment insurance?
For example:
In case something happens to the materials you’re responsible for.
What’s typically covered by stock insurance?
For example:
Read more about stock insurance
In case your photography equipment is lost, damaged or stolen.
What’s typically covered by business and office equipment insurance?
For example:
What you’ll need additional cover for
Read more about business and office equipment insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident insurance
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
What’s typically covered by professional indemnity insurance?
Claims against your business for:
For example:
Read more about professional indemnity insurance
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.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.
£10.47 /month
£84.68 /year
A photographer working on public and private locations
Public liability insurance
£1,000,000
Professional indemnity
£250,000
Contents/business equipment
Not included
£66.86 /month
£594.29 /year
A photographer working on public and private locations with equipment cover
Public liability insurance
£2,000,000
Professional indemnity
£1,000,000
Contents/business equipment
£20,000
How we work out example quotes These examples are real quotes from our online system (created 27/08/2020). 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.
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 |
---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Contents | £100 | £750 |
Portable equipment | £100 | £500 |
Employers' liability | No excess | No excess |
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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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.
Is public liability enough for third party property damage?
Which type of workers do I need insurance for?
Does photographers insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
You may need more than public liability to cover certain types of damage.
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.
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 videographer insurance or designers' insurance?
If you provide these services alongside building work, make sure you’re covered:
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 cover – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm
Call our team
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.
Paying 80% of settled claims within 24 hours in 2019
Having photography insurance through Simply Business has saved photographers thousands of pounds when the unexpected happened.
While Daisy (not her real name) was walking backwards, she collided with her camera by accident and the equipment fell and hit the ground. She tried to turn it on afterwards but the screen loaded up with an error message and the camera shut down. The lens was physically damaged and couldn’t focus. Thankfully she was able to turn to her photography insurance.
£2,581.75
Covering the cost of accidental damage
£100
The excess amount stated in Daisy’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 750,000 customers across 1,500 trades now trusting us to provide their business insurance.
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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 photographers’ insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
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