Professional photographers need the right insurance so they can focus on delivering great work without unnecessary risk.
It’s vital you’re covered before booking clients but knowing what you need can be challenging.
We’re specialists, working with photographers every day. Follow our guide to the four main types of cover you need, and you can operate confidently and professionally.
Equipment insurance (owned, hired or borrowed)
Your equipment is a major investment. Without it, you can’t work so it needs to be fully protected.
Equipment insurance covers damage, loss or theft of your gear, including cameras, lenses, lighting and accessories.
It can extend to hired, rented or borrowed equipment, which is especially important for larger or specialist shoots.
You should expect to be covered in the studio, in transit and on location.
Public liability insurance
Public liability insurance protects you if a third party is injured or their property is damaged because of your work.
This could include a client tripping over a light stand or accidental damage to a venue while setting up.
Venues and commercial clients often require photographers to have public liability insurance so it’s vital you’re covered.
Employers’ liability insurance
If you employ staff, assistants or second shooters, or use freelancers, employers’ liability insurance is a legal requirement.
It protects you if an employee is injured or becomes ill as a result of working for you and will help cover legal costs and compensation claims.
Professional indemnity (PI) insurance
Professional indemnity insurance covers claims arising from professional errors, omissions or negligence.
For photographers, that could include missed shots, lost or corrupted files, or a client claiming your work caused them financial loss.
PI insurance is key to protecting your reputation and income, because even experienced professionals face disputes.
Make sure your business is covered
With the right protection, your business is prepared and credible. Having these four areas of insurance covered, means you can book clients with confidence.
