Photographer insurance

Digital Risks provide tailored photographer insurance, covering all the risks you face while helping clients to capture their best side and immortalise their big moments.

Get a quote in minutes
Award-winning cover
Only pay for what you need

Photographer and camera equipment insurance

If you’re a photographer, run a photography business, or a mobile photography business, then investing in the right insurance is a must. Here at Digital Risks, we provide tailored photographer insurance, covering all the risks you face while helping clients to capture their best side and immortalise their big moments.

As you’re likely to be interacting with the public and clients regularly, your top priority should be public liability insurance for photographers, ensuring you’re protected in the event of any personal injury or property damage claims made against you.

Contents cover is another essential, to protect all your specialist photography and editing equipment. In addition, professional indemnity cover will protect you against any claims that a client has suffered financial or reputational damage as a result of your work.

Whatever your requirements, we’ll have you covered in a few clicks.

From ÂŁ5.13 per month

Pay by the month
Change or cancel any time
Make changes without fees
Instant documents

Digital Risks make insurance easy!

zigzag-0Created with Sketch.

Hassle-free insurance

Arrange your business insurance in minutes, by getting a quote and buying your policy online. No confusing forms or jargon, just plain English and a fast, seamless experience.

zigzag-1Created with Sketch.

Flexibility and growth

Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. No more annual contracts, it's insurance that grows with your business.

zigzag-3Created with Sketch.

Making a claim

Need to make a claim? With Digital Risks, it's a piece of cake. No outsourcing to third parties or lengthy delays, all claims are handled by our team personally and on a first-name basis.

What insurance do photographers need?

Building your cover

Running a photography business involves regular contact with clients and the public, which means you’re exposed to a certain element of risk.

If you or one of your employees accidentally causes injury or property damage during production, you could face legal claims and demands for compensation, even if you believe you weren’t at fault. For example, if a client trips and injure themselves while on set, the bill for legal and compensation costs could run into the thousands, or more.

That’s where public liability insurance comes in.

Cover for your business essentials

Professional photography equipment is extremely expensive, so insuring all your cameras, lenses, lighting and is also a no-brainer. Our contents and portable equipment insurance covers cameras, sound and lighting equipment, as well as portable tools like laptops and smartphones. So, whatever happens, you'll never miss a gig.

Note that you might also need professional indemnity insurance, to cover any claims that work has caused reputational or financial damage to the client’s business.

Commercial legal protection can also be super helpful for accessing professional legal advice as and when you need it.

And finally, if you employ staff, then employers liability cover is a legal requirement.

Why choose Digital Risks?

  • Speedy and simple online quote form for minimal hassle
  • Change or cancel your cover at any time with our monthly subscription
  • Specialists in covering startups and small businesses
  • Dedicated team and tailored offering for larger businesses
  • Fast, straightforward claims process

We're rated excellent by our customers

Excellent value at an affordable monthly cost. I have not needed use the services. But its good to know I have the insurance there to allow me to get on with my work.

James, J. Black Photography

Flexible. simple, easy, immediate. As a busy freelancer I need flexibility to potentially change the policy month by month - very handy and a feature I didn't find with other providers.

Tim, Graphic Design Freelancer

Excellent service, and really lovely people. Completely understanding of small or start up businesses, and a willingness/ability to be flexible. I'm very happy.

Lorna, Magic Penny Gifts

A super slick interface and all around great experience. Thumbs up Digital Risks! Having spoken to a number of "large" insurers, the pricing I received from Digital Risks was much more competitively priced for "like for like" cover. Highly recommended.

Jonathan, Frello

Further reading

23 May 2019
3 minute read

Why is cybersecurity important?

To prevent your business from being a victim of third-party cyber attacks, there is a number of things you can do. Don't follow the wrong example - get your business covered.

20 May 2019
4 minute read

Small business workshops and training providers

While there’s a lot to be said for learning on the job, it certainly helps to have expert advice to fall back on, when starting a small business.

15 May 2019
7 minute read

25 cybersecurity resources you need to see

Here are 25 of the best cybersecurity resources out there to stay up to date with the rapidly growing area.

Award-Winning Insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

We insure thousands of innovative businesses

Tech Nation

You're in safe hands

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 or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by security with Standard & Poor's A-rated financial strength or higher. This means the insurer has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under ÂŁ1m, charity with an annual income under ÂŁ1m, or trust with net assets under ÂŁ1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at