Photography Insurance

What insurance do I need?

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

• Professional indemnity insurance

  Probably the most important cover a freelancer needs, insuring you for claims if you’re sued for a mistake that happened as a result of your work, or if a dissatisfied customer files a negligence claim against you. Choose from nine limits of cover from £50,000 to £5m.

• 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.
• Public Liability Insurance

  Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
  Click here for a quick quote

• 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.