photographer taking photo of lady in pink dress

Photographers Insurance

Public liability insurance for a photographer, with coverage starting at £53* including:

  • Public Liability
  • Financial Loss
  • Products Liability
  • Legal Expenses
  • Accidental Death
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Owning a photography business isn’t always easy. Regardless of whether you work solo or own your own photography company, there are a great many stresses involved with your job. You face a range of risks every day, which means you need a policy that caters to those risks.

Why do you need photographers insurance?

Here at Tradesman Saver, we’ve understand that your business is unique, and therefore a generic insurance policy won’t cut it. We’ve worked with businesses like yours and used our industry expertise to design a policy specific to you. Customise with our online quote form for a policy that works as hard as you do.

Why Us?

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

There are many insurance options which would benefit your photographers business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a photographers business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a photographer and you can get your quote online in minutes.

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What’s included with our Automatic Cover

Photographer’s Public Liability Insurance

Purchasing photographer’s insurance can be a bit of a mission. It can be hard enough to find insurance at a reasonable price, but when you start researching into the subject, the sheer volume of insurance terminology to contend with can quickly turn it into an arduous task – which is particularly annoying when you want to just focus on running and growing your business. Fortunately, there’s only one insurance cover you really need to know about to make the right choice when buying your insurance, and that’s public liability insurance. Public liability insurance is imperative when you’re taking out photographer’s insurance – it’s essentially the bread and butter of your insurance sandwich, and it helps to make all the other components work in unison by covering the bulkload of any potential claims you might come up against. Simply put, it covers injury to third parties and any damage to their property, and it can be applied to both clients and members of the public. It covers situations like clients tripping over your equipment, and it’s a really essential cover for the continued health and success of your business.

photographer holding large camera with strap by his side

It Shouldn’t Happen To A Photographer

Here are some examples of claims:

 

Example 1

You’re taking photos at a wedding and have your tripod out to take a bridal group shot. You place it to one side after you’re done, to take photos free-hand, but unfortunately one of the guests trips over your tripod, injuring themselves. They sue you for compensation. Fortunately, your public liability insurance can really help here – it will cover the costs of the compensation and legal costs for you, so you don’t get left out of pocket.

Example 2

You’re hired to be the photographer at an event. You nip to the toilet and leave your camera in your equipment bag, but when you return, you find your camera is missing. Your tools & equipment insurance is your saving grace in this situation – your insurer will pay out the cost of replacing your equipment, so your business doesn’t have to suffer because someone else has sticky fingers.

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*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2019 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.Registered in England No 1842617 Insurance Brokers. All rights reserved.
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