How does insurance for photographers work?
Capture every crucial moment with cover you can rely on
As a professional photographer, taking the right picture is an art and provides special memories for your clients that are irreplaceable. More often than not, clients will be delighted with your work – but what if something does not go as planned?
At The Insurance Octopus, our personalised business insurance policies are designed to be flexible, allowing you to put together a bespoke photographer’s insurance policy exactly how you need it and ensuring you have all of the essential cover you need in one business insurance policy.
Our photographers insurance covers your work and can be personalised to the type of photographer you are based on your business activity, levels of cover required and the business equipment you may need protected.
What your photographers insurance policy includes
Professional Indemnity cover
Professional Indemnity insurance, or PI insurance, will protect you and/or your business against any financial or trading loss that may be caused as a result of bad advice or a mistake made in work. Typically these claims can be a result of Negligence, Dishonesty, Defamation, infringement of Intellectual Property Rights and Loss of Data. Professional Indemnity cover limits from £50,000 to £10m.
Employers Liability insurance cover
Employers Liability insurance cover is for you if you have one or more employees and then, by law, you are required to have employer’s liability insurance. Employers Liability cover is a standard £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.
Public Liability cover for photographers
Public Liability cover protects you if one of your customers or member of the public is injured or their property is damaged. Public liability insurance protects you against the cost of repairs or any legal proceedings that may be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request subject to insurers terms and conditions.
Legal expenses insurance
With legal expenses cover you can protect your business against the costs associated with legal representation, including legal defends costs and other associated costs. Defending claims can be expensive, so legal expenses cover should not be overlooked.
Photographers contents and equipment cover
Content and equipment cover for photographers provides protection for all your portable equipment when working away from your own premises or at a client’s site – including cover against damage, loss and theft.
Breach of copyright and other types of additional cover
Breach of copyright or confidentiality, protection against loss of contents, negligent advice, business interruption, personal accident and more are all additional cover add-ons that can be increased or decreased as required.
Why you need photographers insurance
As a professional photographer you need to make sure that your business and livelihood is covered and protected in the event of that something goes wrong. Our Professional Photographers Insurance can include not only Professional Indemnity cover, but also provide photographers liability insurance and photographer’s equipment insurance; giving you all the cover you might need in one simple policy.
We’ll look to put together a tailored business insurance package for your business needs ensuring you get the cover you need as soon as possible.
Photographer insurance experts
When you’re considering taking out a policy, one of The Insurance Octopus’ specialists will discuss your business requirements with you and compare personalised quotes from a number of major insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need.
Finding the right cover for you
We can often provide you with your business insurance and its necessary documentation on the same day. To help with the costs of arranging cover, we are also able to offer monthly payment terms allowing you to spread the cost of your cover via our direct debit facility.
Why choose us for your Photographers Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
We can't stop accidents from happening but our Professional Indemnity insurance will give you up to £5m worth of cover - with up £5 million worth of public liability insurance cover also included.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
Specialists who understand your profession
Connecting you with agents who are experts in your field. They understand many of the challenges you face, & can tailor a policy to your needs.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Photographers insurance FAQ’s
Get the answers you're looking for
Why does a photographer need insurance?
Ensuring your livelihood and tools of the trade are covered is critical for photographers. As a profession that is primarily based in self-employment, anyone in the photography field is solely responsible for the use and care of anything from expensive cameras to delicate equipment. From lenses to laptops, insurance can offer peace of mind when it comes to working with expensive, but sometimes fragile equipment on a day to day basis.
How does professional indemnity cover work for photographers?
As with any other business, professional indemnity cover provides photographers with the backup they need when something doesn’t entirely go to plan. As a business that interacts and provides services directly to clients, this cover ensures that even if your next wedding or event shoot doesn’t go as planned or the photographs fail to come out, due to technical problems or otherwise, then someone’s got your back should you be unable to deliver and the bride and groom sue you for “ruining” their special day.
What level of Professional indemnity cover do I need?
As with any creative position, the level of cover a photographer requires for their day to day work depends entirely on what they need – from weddings to events, sports to food, there is a level of professional indemnity cover to support your business. Consider your client base and the potential financial loss you could cause them if a shoot went wrong to ensure that you’re fully covered no matter what the situation.
How it works
Examples of Photographers insurance in action
An unfortunate snap
A photographer found herself facing a nightmare situation on the way back from a successful photo shoot. The memory stick on which she had stored all of the shots that the client was very happy with became corrupted and she didn’t have a backup. This meant that the entire shoot had to be rearranged and the project it related to was pushed back by several weeks. The photographer found herself able to call on her professional indemnity insurance to cover the costs that arose from this and keep her very important client happy.