Photographers Insurance

In this section you’ll find information about photographers insurance ¬– the types of photographers insurance you might require, how to get the most suitable cover for your business and how much cover you’ll be needing:

Why do photographers need insurance?
What type of insurance do photographers need and what level of cover?
Why compare photographer insurance with Coverzones?

Why do photographers need insurance?

Whether you work on your own or run a studio, as a photographer, insurance is a vital part of sensible business planning. Mistakes happen, and it makes good business sense to protect yourself and your business against them. Professional Indemnity Insurance protects you against claims for compensation made by unhappy clients. And if you employ staff, you will also need Employers Liability Insurance, which is obligatory by law. You undoubtedly encounter the public too, so insurance against injury or damage to their property is essential.

Get online quotes for photographers insurance now.

What type of insurance do photographers need and what level of cover?

Photographers insurance usually involves a mix of different types of cover:

• Professional Indemnity Insurance for photographers: This meets the cost of defending claims and paying damages if a client suffers financial loss due to negligence, error or omission on your part. Depending on the nature of the work, the level of Professional Indemnity Insurance for photographer-centred businesses can vary from £25,000 to £1m+.

Get quotes for Professional Indemnity Insurance for photographers now.

• Public Liability Insurance for photographers: This covers you against claims for members of the public who have been injured or suffered damage to their property as a result of your work. For example, if a piece of your equipment fell and injured a member of the public, they might claim against you for compensation. This cover is strongly recommended to anyone who works with clients or out in the public domain – anything from £1m – £5m cover is normal for a small business.

Get quotes for Public Liability Insurance for photographers now.

• Employers Liability Insurance for photographers: This cover would meet the costs of any compensation you might have to pay in the event of death or injury of your employees whilst they are working for you. If you employ staff, even if they are part-time assistants or admin workers, you need to have at least £5m cover by law.

Get quotes for Employers Liability Insurance for photographers now.

• Professional Insurance for photographers: This is a package that puts all the different kinds of cover you need for your business into one policy. It includes public and employers liability, as well as additional options that can provide you with a real sense of security – cover against theft, loss or damage to your photographic equipment, for example.

Insurance for professional photographers will soon be offered here at Coverzones.

Why compare photographers insurance with Coverzones?

Coverzones makes it possible for you to compare insurance online in a few short minutes. You only have to enter your details once – we’ll search a panel of insurers for you, and come up with a choice of quotes for you to consider. Coverzones can help save you money, and makes it easier than ever to arrange your photographers insurance.

Coverzones also enables you to store your insurance details online. Using our secure server, you’ll have access to your stored policies 24 hours a day, every day, making it simple to amend, cancel or renew your policies whenever you want to.

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