Photographer insurance
We arrange comprehensive photography insurance so you can focus on your business
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
Public liability insurance is a type of insurance that protects photographers against legal claims made by third parties for personal injury or property damage resulting from the photographer’s business activities. Examples of situations where public liability insurance for photographers may provide coverage include:
Public liability insurance can help protect photographers from the financial costs associated with defending themselves against claims, such as legal fees, court costs, and damages awarded to the claimant.
Employers' liability insurance
Employers’ liability insurance is a type of insurance that protects employers against claims of injury or illness made by employees as a result of their work.
If you are a photographer who employs staff, whether on a full-time or part-time basis, you have a legal obligation to provide a safe and healthy working environment for your employees. Employers’ liability insurance can help protect you against the financial costs associated with claims made by employees who suffer injury or illness as a result of their work.
Personal accident cover
Being a freelance photographer means you might need to consider personal accident insurance to help with unforeseen circumstances that could put you out of action.
This cover is designed to provide financial assistance in the event of an accident, and personal accident cover can help you focus on your recovery and return to work as soon as possible. This coverage typically provides a lump sum payment or ongoing income support to help cover the costs of medical treatment, living expenses, and other financial obligations that you may have.
Personal accident insurance could therefore be a key cover type to build into your policy. If you were to become injured and unable to work – even if the accident happens outside of work – you could receive financial support until you’re back on your feet.
Photographer property covers
Property insurance covers for photographers are a type of cover that protects the physical assets of your business, including buildings, equipment, and inventory, against loss or damage caused by a range of events.
We understand that photography businesses come in different shapes and sizes. So if you edit photos from home, an office or if you have a photography studio or gallery, home-based business insurance, office insurance or shop insurance could protect your business contents and buildings. Our advisors are on hand to discuss the range of options available to you and arrange a comprehensive policy for you.
Your photography equipment is pivotal to your businesses continuity. If your kit was damaged or stolen, your livelihood could suffer and leave you unable to work. Specialist computers, cameras and lenses can be costly to replace, and as careful as you may be, accidents do happen. And that’s where we come in. We can arrange suitable insurance offering varying levels of cover tailored to your business needs, to ensure you have protection for your livelihood.
Business interruption insurance
Business interruption insurance provides coverage for lost income and expenses resulting from a disruption to your business operations, such as damage to your premises or equipment.
If you do suffer damage to your premises or equipment, you may have difficulty trading for a while without them. Business interruption insurance, as part of your photography business insurance, can safeguard your income and expenses should you suffer damage at your premises meaning you are unable to trade.
Professional indemnity cover
Professional indemnity insurance for photographers is specifically designed to cover claims related to their professional services, such as photography, videography, editing, or other related services. It helps protect photographers from the financial costs associated with defending themselves against claims, such as legal fees, court costs, and damages awarded to the claimant.
Examples of situations where professional indemnity insurance for photographers may provide coverage include:
Professional indemnity insurance can also help protect their professional reputation by covering the costs of defending against unfounded claims.
If you require Professional Liability cover, simply request a call back or call to speak to one of our advisors.
Cyber and data insurance
Cyber insurance can offer valuable protection against cyber threats for photographers.
For example, if a photographer’s computer system or website is hacked, cyber insurance can help cover the costs of restoring data, notifying affected parties, and mitigating any damage to the photographer’s business reputation. It can also help cover the costs of legal fees if the photographer is sued by a client or other affected party
Photographers who use cloud-based services or store data electronically should also consider cyber insurance, as these systems can be vulnerable to cyber-attacks. Even if a photographer does not collect or store sensitive client information, they may still be vulnerable to cyber threats such as ransomware or phishing scams, which can cause significant financial and reputational damage.
Commercial legal protection
Commercial legal expenses can be added to your photographer insurance to safeguard against employment disputes and compensation awards, tax and VAT appeals, as well as provide an allowance for employees or business partners who are called up for jury duty.
Photographer insurance FAQs
Do I need photographer insurance?
Photographers should consider getting insurance to protect themselves and their business. Depending on the type of photography you do, the equipment you use, and the clients you work with, there are different types of insurance that you may need.
The type of insurance covers you need may depend on the specific nature of your business and the risks involved. If you are unsure, our insurance experts are on hand to help you determine what types and amounts of cover are appropriate for your business.
What covers do photographers need?
Some common types of coverage that may be included in photography business insurance policies are:
- Public liability – for injured visitors or damage to their property.
- Employers’ liability – to protect your employees.
- Professional indemnity – can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.
- Personal accident cover – to tide you over in the event that you injured yourself at work.
- Buildings cover – to cover for loss or damage to your premises.
- Equipment, contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Business legal expenses – to cover the cost of legal expenses.
- Cyber and data – to help cover damages and costs associated with data breaches, cyber-attacks, or other cyber incidents.
How much does photographer insurance cost?
The cost of photographer insurance can vary depending on a number of factors, including the scale of your photography business, the level of cover you need, the demands of the cover and the location of your business or studio.
We always recommend that you gather quotes from several insurers to compare the best cover for your needs. At Premierline we can help by comparing quotes from some of the UK’s top business insurers. We can help to review your insurance needs to ensure that it continues to meet the changing needs of your business.
Why choose Premierline to arrange photographer insurance?
Whether your business is home-based, studio-based or freelance, you’re looking for wedding photographer insurance or photographic equipment insurance, then look no further, you have come to the right place.
We can compare quotes from some of the UK’s leading insurers and get the right photographer insurance to suit your business activities so call us today.
What type of photographers does Premierline work with?
As a business insurance broker, we can source insurance for a range of different types of photography professionals. Such as:
- Portrait Photographers
- Wedding Photographers
- Commercial Photographers
- Fashion Photography
- Sports Photography
We can make arranging your photographer insurance simple and hassle-free, even if your business has specific needs. Speak with our team of advisors who can recommend the right covers for your business.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Premierline are a supportive insurance broker. They look after us in terms of maintaining our account and identifying any actions required. Plus theyre supportive when it comes to queries and assistance. And finally when it comes to claiming they are extremely sympathetic, they relate to the situation and offer any help they can.”
Publisher
Customer since April 2022
Our independent customer reviews
Speak to a photographer insurance expert
We make arranging your photographer insurance hassle-free. At Premierline we can find and compare quotes from a selection of trusted insurers, and get the right protection for your photography business. Our advisors are also on hand to provide advice on what covers you need, give us a call or request a call back and we’ll get to work.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm