Public liability insurance for photographers
What is public liability insurance for photographers?
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
If you want to know more about public liability cover in general, our insurance 101 guides should answer your questions.
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. Learn more about business contents cover.
Professional indemnity is for claims made by your clients for their loss that arises out of your professional services.
Included with our PI cover, media liability insurance covers IP and trademark infringement, violation of rights of privacy - and more - in media content and advertising, including websites, blogs and social media.
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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:
- They can't afford the financial risk of being uninsured.
- Clients will often name public liability insurance as a condition of working with you.
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.
This will vary depending on your business's individual needs. Our cover starts from £5.00 per month. Find out more about factors that influence the cost of public liability insurance.
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.
Customise your cover
To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.
Boost your cover from £2.80 per month
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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.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter 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 £1m, charity with an annual income under £1m, or trust with net assets under £1m, 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 www.fscs.org.uk.