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2 months free for The Guild of Photographers members. T&Cs apply

Insurance for photographers Insurance for photographers

2 months free for Guild members
Flexible pay monthly cover
Takes less than 10 minutes

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 “2 months free” offer is available to any The Guild of Photographers member taking out a new business policy with Superscript online; it will not be granted in conjunction with any other offer, voucher or discount, excluding unique referral codes from our Refer-A-Friend programme which can be used in conjunction with The Guild of Photographers offer. The “2 months free” offer applies for 2 months only from the inception date of the initial policy. Subject to eligibility requirements.

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.