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Photographers Insurance

Keep your photographers business safe from third party claims with our photography insurance package

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Owning a photography business can be extremely difficult. Regardless of whether you work solo, or employ a team of photographers, having comprehensive photography business insurance in place can provide essential cover against any injury or damage claims which have been caused by your equipment or staff. With a range of stresses and risks facing your business on a daily basis, but a photography insurance policy from Tradesman Saver can give you the peace of mind you need.

Why do you need photographers insurance?

Working as a photographer is an enviable job, getting to capture some of the happiest moments of people’s lives on film forever. But we all know that accidents can happen in a flash. Whether a wedding guest trips over your tripod as you take a shot of the bride and groom cutting the cake, or your car is broken into overnight while your camera bag was in the backseat, a photography insurance policy can help you be sure that you won’t be left out of pocket. Tradesman Saver can give you cover that matches your specific needs, and between our automatic cover and optional policies, you’ll have all the protection you need.

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What’s included with our Automatic Cover

Taking out photography insurance with Tradesman Saver gives you access to five separate policies in one automatic cover package, including legal expenses and financial loss. Photographers public liability insurance is potentially the most crucial of them, offering you financial cover in the event that your equipment causes harm or damage to a third party, or third party property. Without this protection in place, you could be forced to pay a huge amount in compensation but, even if your camera, lights or tripod is to blame, our public liability insurance can prevent you from being out of pocket.

Our additional cover can be bought as extras for your primary policy, giving you a tailor-made plan to suit your needs. Employer’s liability insurance, for example, is legally required for all businesses who hire other staff. Possibly the most important insurance policy for any photographer, though, is tools and equipment cover. Since you can’t do your job without your camera, this policy will help you finance any replacement gear in the event of damage, theft or loss. Get a free quote below, or contact us to put together your picture perfect photography insurance policy today.

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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.

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.

Can I buy camera equipment insurance only?

Unfortunately not. Camera insurance would fall under our wider tools and equipment insurance cover, which is one of our additional covers. However, by taking out comprehensive photographers insurance cover with Tradesman Saver, you can have full financial protection against any accidents caused as a result of your work.

Is my photography equipment covered abroad?

Our insurance for your equipment provides cover anywhere in the UK, although our policies provide worldwide public liability cover for temporary (up to 14 days) trips abroad (excluding the USA/Canada).

Am I covered if I leave my camera alone while working?

Yes, our policy provides cover for your equipment anywhere in the UK on an all risks basis. The only thing to be aware of is that there is an increased excess of £250 for any losses from an unattended vehicle.

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*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax and our admin charge. 22% of new customers paid less than £58 between 1st January 2019 and 31st August 2019. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2019 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register https://register.fca.org.uk/.
Registered in England No 1842617. Registered Office – Seymour House, 223 Wickham Road, Croydon, Surrey CR0 8TG. All rights reserved.
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