Photographer Insurance | Photography Insurance

In a subjective profession like photography it can be hard to please all of your clients all of the time.

Our specialist photographer insurance covers your costs in the event of a claim for compensation against you. Whether you work in a studio, at weddings, in corporate event photography, on the cat walk or out on the road, you can get on with your job knowing you’re protected if the worst happens. Photography insurance is key to protect you and your equipment.

We offer professional indemnity, public liability and business equipment insurance amongst other bespoke policies.

What insurance do I need?

You can choose the right level of cover from our Photographers insurance policies. We offer:

Professional indemnity insurance
Nine choices of cover from £50,000 to £5m to protect you if you’re sued for a mistake that happened as a result of your work.
Business combined insurance
Great value, complete cover for your business in one simple bundle. Includes:
- Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
- Employer’s liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
- Office contents insurance up to £10,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment. A key part of photographer insurance.
- Director’s and officer’s liability insurance Up to £250,000 protection if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.
Tax enquiry and legal expenses insurance
Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for just £75 a year.
Personal accident and sickness insurance
24 hour a day protection (not just while you’re at work) against personal accidents or sickness, to make sure you can keep paying the bills. Cover from £50,000 for just £35 a year.

Benefits

Competitive pricing
Dedicated handlers to assist with your queries
Documents issued instantly via e-mail
Access to your own claims team
Cover for legal defence costs and compensation bills
Monthly payments

4.8/5

"I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
I found the person I dealt with very helpful and knowledgeable about my options."
"Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
"Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
"All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
"I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
"A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."