Photographers Public Liability Insurance

Easy, quick and personalised business insurance for photographers and videographers.

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Quick and easy online cover for your profession
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Wedding photographer sat in car holding camera close to face and capturing a picture.

Our Photography Insurance will respond to cover your costs in the event of a claim for compensation against you by a client.

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

Photography insurance is a key investment which will help to protect you and your equipment, allowing your business to thrive.

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What is photography insurance?

Indemnity and liability insurance for photographers provides essential protection for you and your clients. Our insurance policies will help to protect you against the legal implications that can arise if you make a mistake in your work and will cover the legal costs and relevant compensation awards within the indemnity limit.

Why do photographers need insurance?

Negligence is a broad term and can cover a range of possibilities, none of which need to be deliberate acts. As a result, any professional can be accused of professional negligence.

Regardless of whether the claim against you is valid or not, you still need to do something about it, and if you’re not insured it could cost you a lot of money in legal costs to clear your name.

As a photographer, carrying comprehensive professional indemnity insurance will give you the reassurance that you’re covered for circumstances that are out of your control, allowing you to concentrate on your work. Because you will likely have face-to-face dealings with members of the public, you would also be best advised to carry Public Liability insurance.

Why should I choose Caunce O’Hara for my business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers
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Trusted by over 23,000 clients for their business insurance.

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Immediate cover available, with documents issued via email in minutes!

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Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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Frequently Asked Questions

As a photography professional you working in a subjective industry where opinions and tastes matter more than hard data and statistics. This can mean that a client might be unhappy with your work, even if your photos meet the brief and look great from someone else’s point of view.

You can also be subject to a claim from an accidental occurrence, such as a copyright breach e.g.: capturing a copyrighted image in the background of one of your commercial photographs.

A couple of examples could include:

Alleged negligence

A good example of professional negligence could be that you are a wedding photographer and the images you take of your clients’ special day are lost because the SD card you saved them to has corrupted. Those special moments in time cannot be captured again. As such, your client takes legal action against you to recover their costs and associated damages.

Another example could be that you have incorrectly scheduled a photoshoot in your diary and end up missing a date, or you could simply forget to pack some key equipment that you need for a photographic assignment, both resulting in the photoshoot needing to be rescheduled. Your client sues you for wasted time and resources.

Professional Indemnity insurance would respond to provide cover you in these instances.

You are alleged to be responsible for causing an accident

A client visits your studio for some portrait photographs. While they are on your premises they have an accident and take action against you for damages and any lost income of they are unable to work as a result of their injury. Public Liability insurance would respond to cover you for this instance.

With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes. Professional indemnity insurance can start from as little as £98.00 per annum.

An example quote: a portrait photographer with an annual turnover of up to £50,000 per annum, with a £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. That’s only £16.00 a month, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 19.11.2021). Because you are dealing with members of the public you will also be required to carry Public Liability insurance, which can be purchased via our online quote and buy system from as little as £112.00 per year.

Apart from Professional Indemnity insurance photographers and videographers will typically be required to carry Public Liability insurance, especially if they work from office premises, such as a photographic studio, and meet members of the public face-to-face.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance, which is provided as part of our Business Combined Liabilities insurance product.

Our Tax Enquiry and Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation, the costs incurred if you have a landlord/tenant dispute, or even the costs incurred if you are required to attend jury service.

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Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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