Photographer insurance

Business insurance for photographers

Your clients rely on you to capture special scenes that’ll last forever. Slip up, though, and the day might be remembered for all the wrong reasons.

Things can and do go wrong at photo shoots. Toppling tripods, difficult clients, unpredictable weather, and sudden kit failures can all add to the pressure.

Dropping a camera on someone’s foot or knocking over a vase is embarrassing enough. But what if the client’s also not happy with their photos? What if they ask for a re-shoot or even sue you for negligence?

Photography insurance protects you from costly court claims and compensation demands. It’s a reputation saver and a financial buffer in one.

• Who needs photographer insurance?

  • Advertising photographers
  • Aerial photographers
  • Baby and newborn photographers
  • Event photographers
  • Family photographers
  • Fashion photographers
  • Food photographers
  • Landscape photographers
  • Macro/micro photographers
  • Medical photographers
  • Pet photographers
  • Photojournalists
  • Real estate photographers
  • School photographers
  • Sports photographers
  • Travel photographers
  • Underwater photographers
  • Wedding photographers
  • Wildlife photographers

  ...and many more.

• How much does photography insurance cost?

  The cost of your coverage will vary depending on the size of your business, its location, and the coverage limits you choose.

  Whatever the cost, there’s a photography business insurance package to fit your needs. And payment options, too, so you can spread the cost. You can pay your premium in one installment - or four. It’s up to you.

• What insurance do I need for my photography equipment?

  To protect your kit when you’re away from the studio, you need to add business personal property (BPP) to your package.

  It’s worth it. Your equipment is more likely to get lost, stolen, or damaged when you’re out on a shoot. And how will you work without it?

  Think carefully about the limits you choose, and how much it’s likely to cost you if you had to replace all your kit – from the smallest SD card to your biggest lens. It’s best to err on the side of caution and buy more coverage than to set the bar too low.

What other kinds of insurance do photographers need?