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Photographers Insurance

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

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Tradesman Saver’s Public Liability Cover For Photographers


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

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 you or 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 range of optional covers can be added to 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 employ or hire in other staff. Possibly one of the most important additional covers 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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How our photographers insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is photographers insurance?

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 you, 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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Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

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

  • Monthly Instalments

    Monthly Instalments

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

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

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

* Total number of live policies as of 31/01/2024

It Shouldn’t Happen To A Photographer

Here are some examples of claims:

 

Injured Guest

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, sustaining an injury. 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.

Stolen Camera

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.  Make sure you add on cover for tools & equipment during the quote process to benefit from this optional cover.

Photography Insurance: Frequently Asked Questions

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.

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 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 our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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