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Public liability insurance for photographers

Accidents happen. Particularly when working in busy environments. Protect your passion with public liability cover for photographers.

Public liability insurance quote

From£
5.13
per month

Whether you're a wedding photographer or working fashion shoots, photography involves chaotic scenes with plenty of opportunity for slips and trips. Public liability insurance offers financial protection in the event that you're liable for injury or property damage, due to your work.

  • Choose from £1m, £2m, or £5m cover
  • Pay monthly
  • Change or cancel anytime
  • Worldwide cover

Insurance for photographers

Public liability insurance is an essential cover for most businesses - but as a photographer, what are some other covers you may want to consider? Our quote journey will guide you through the options, but here are some to consider.

Contents & equipment cover

As a photographer, your equipment is integral to your work. We offer up to £20,000 equipment cover, which includes worldwide cover for you if you travel abroad for up to 90 days.

Professional indemnity

Professional indemnity is for claims made by your clients for their loss that arises out of your professional services.

Media liability

Included with our PI cover, media liability covers IP and trademark infringement, violation of rights of privacy - and more - in media content and advertising, including websites, blogs and social media.

Employers liability

This is a legal requirement for any business with employees. We offer up to £10 million cover.

Public liability insurance for photographers FAQs

Public liability cover is not a legal requirement. However, many businesses consider it an insurance essential for two reasons:

  1. They can't afford the financial risk of being uninsured.

  2. Clients will often name public liability insurance as a condition of working with you.

Do I need public liability insurance as a freelance photographer?

As a freelancer, you'll need to provide your own public liability cover as you won't be covered by a client's own public liability insurance. It's also worth bearing in mind that some venues will specify a minimum level of cover, so it's a good idea to check for insurance requirements each time you work with a new client or venue.

How much does public liability insurance cost?

This will vary depending on your business's individual needs. Our cover starts from £5.13 per month. Find out more about factors that influence the cost of public liability insurance.

What's the excess on this cover?

Our public liability cover has a standard excess of £250. So if you need to make a claim, you'll need to contribute £250 and we'll cover the rest.

How quickly do you settle claims?

We aim to settle claims within 48 hours, so if the worst does happen, you can rest assured that we'll do our best to get you up and running again in no time.

Get your photographers insurance in less than 10 minutes

Pick from our broad range of specialist covers, tailor them to your business to get the exact protection you need. Change or cancel your subscription anytime from your online account.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Select from:

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Select from:

Management covers

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Select from:

Boost your cover from £10.08 per month

Commercial legal protection

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

We insure thousands of innovative businesses

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.