2 months free for The Guild of Photographers members. T&Cs apply
Insurance for photographers
Covers for photographers
Public liability
Designed to cover compensation and legal costs if you accidentally cause injury while working to a client or any third party – or damage their property while you're working.
Business tools and equipment insurance
Designed to cover accidental damage, loss and theft of equipment belonging to you or your employees (if you have any). You can add cover for theft of tools overnight in a vehicle and it includes worldwide cover if you travel abroad temporarily.
Professional indemnity insurance
Designed to cover mistakes arising from your services. It includes compensation payments if your client suffers financial loss, fines, contract disputes, legal costs, IP and copyright disputes.
Cyber insurance
This concerns your liability for processing data and costs associated with a data breach or security failure. For example, breach of client confidentiality or privacy.
Media liability insurance
Included when you take out professional indemnity or cyber insurance.
For media content and advertising - including websites, blogs and social media for IP infringement, breach of confidentiality, privacy, and comparative advertising regulations.
Employers' liability insurance
If you have employees.
A legal requirement for most UK companies with any employees, regardless of whether your team is made up of temporary or part-time staff. It gives your team reassurance, while protecting your business.
Personal accident
Designed to pay out if someone working for the business suffers an accident resulting in loss of sight, hearing, speech or a limb, death or leaving them disabled and permanently unable to work.
Offer terms and conditions
The period of free cover of 2 month’s free (‘the Customer Offer’) is only available to The Guild of Photographers members who are new online, non-advised Superscript customers. After the 2 month period, premiums will then be calculated at the applicable rate. You will be informed of any price changes in good time, prior to the anniversary of your policy. The Customer Offer will not apply to cancellation fees. In the event that you cancel your Superscript policy within the first 6 months of cover, we reserve the right to deduct, withhold or charge the total value of the Offer from any payments due to or from you. To be eligible, you must have been directed from The Guild of Photographers by clicking on the appropriate link and cannot be retrospectively applied. The Customer Offer is not assignable. The Customer Offer will be automatically applied to your account by Superscript. The Customer Offer will be applied each applicable month, regardless of annual or monthly payment option selection. There is no cash alternative. The Customer Offer cannot be used in conjunction with any other Superscript offer, voucher or promotional benefit. The Customer Offer is subject to eligibility requirements. We reserve the right to withdraw the Customer Offer at any time. Terms and conditions are subject to change and you may not be informed.
Photographers' insurance FAQs
How much does photography insurance cost?
This will depend on the individual covers and cover limits you select, but our cover for photographers starts at £5.34 a month.
10% of photographers paid £5.34 a month or less for their Superscript business insurance between January and March 2023.
Do freelance photographers need insurance?
Though not a legal requirement, freelance photographers may find that certain contracts, sets or venues require you to have a certain level of cover, generally including public liability insurance and professional indemnity insurance. Many photographers also choose to take out business tools and equipment cover.
Do I need public liability insurance as a photographer?
Public liability insurance is a popular cover for photographers. This is because a lot of photography work involves working with and around members of the public; from clients to models. An accident involving you or your equipment and a member of the public resulting in injury or property damage could land you with expensive legal fees and compensation costs.
Why is professional indemnity insurance important for photographers?
Professional indemnity insurance for any professional working under contracts with clients or other businesses. For example, if a client were to sue you due to being unhappy with your work (even if you feel you fulfilled the terms of your contract), you may benefit from the protection of professional indemnity cover which would cover the associated legal fees and compensation costs.
Is my photography equipment insured abroad?
Our business tools and equipment insurance will cover your gear in the UK and temporarily anywhere else in the world.
Does your insurance cover my photography equipment while stored in a vehicle?
Our tools and equipment insurance will cover your equipment while stored out of sight in a locked vehicle.
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.