As a photographer, you have a great amount of trust placed in you to capture those special moments that will last a lifetime or to meet your client’s specification.
You will have invested heavily in specialist equipment that you will want to protect because without it you will be unable to work. If you work in public spaces, you should consider taking out public liability insurance to protect your business from claims from members of the public for injuries or property damage resulting from your work.
Many insurance companies offering photographer’s insurance and allow you to tailor your cover to meet your needs. Below we have explored what photographer’s insurance is available from some of the leading providers.
The table below gives a quick comparison of the top UK providers for photographers’ insurance.
Company | Minimum cover | Maximum cover |
---|---|---|
AXA | Not stated | £10 million |
Direct Line Group | £1 million | £10 million |
Chubb | Not stated | Not stated |
Hiscox | Not stated | Not stated |
Markel direct | £1 million | £10 million |
* The facts and figures included here come from each company’s website and were accurate at the time of writing but may have since changed. Also, please keep in mind these may not be apples to apples comparisons as each provider offers different solutions. This guide should be used as a starting off point for more research on your part.
Below we profile each of the companies’ services and features in a bit more detail.
Note companies are ranked in no particular order and this no way indicates one solution is better than another.
Topics
1. AXA
Some of the features and benefits of AXA’s photographers’ insurance.
- Dedicated insurance for photographs
- Tailored insurance
- Choice of cover
- Public liability insurance
- Professional indemnity cover
- Contents insurance
- Legal expenses
- Employer’s liability insurance
- Some restrictions apply
- Free legal and tax helpline
AXA is an insurance provider that offers a wide range of business insurance which includes tailored products to meet the needs of particular businesses. They provide insurance to small to medium sized businesses including sole traders and the self-employed. Their insurance range includes insurance designed specifically for photographers.
AXA’s photographer’s insurance is a tailored policy that incorporates the cover that you need such as public liability, professional liability, employer’s liability, and contents insurance. They also offer a range of optional extras including legal expenses, buildings, business interruption and personal accident. They do not insure aerial photography including drones, underwater photography, hazardous locations or claims for poor quality or lost photographs.
2. Direct Line for Business
Some of the features and benefits of Direct Line for Business’ photographers’ insurance.
- Specialist photographer’s insurance
- Flexible policy
- Covers work, home and on location cover
- Professional indemnity cover
- Public and employer’s liability
- Buildings cover
- Contents and stock
- Business interruption
- Legal expenses
- Guarantee to beat other quotes
Direct Line for Business is an insurance provider that offers a range of tailored insurance products to meet the needs of specific trades and professions. Their range of products target specific professions which include photographer’s insurance.
Direct Line for Business’ photographer’s insurance allows you to tailor your cover from a range of cover which includes professional indemnity insurance, public liability from £1 million to £10 million, employer’s liability at £10 million as standard, building, contents and stock, business interruption, legal expenses, theft of takings and cyber cover. They claim to have low pricing and they guarantee that they will beat other quotes.
Direct Line for Business website
3. Chubb
Some of the features and benefits of Chubb’s photographers’ insurance.
- Entertainment and events insurance
- Suitable for film, TV and photography
- Covers a wide range of specialist photography
- Theft
- Accidental damage
- Accidental injury to employees
- Damage to third party’s property
- Theft of money
- Increased cost of work
- Available direct or through a broker
Chubb is an insurance provider that offers a broad range of business insurance products direct to businesses or through a broker. Their range of business insurance products are tailored cover which is designed for specific professions and industries which includes entertainment and events insurance.
Chubb’s entertainment and events insurance is designed for specialist professions such as film, TV and photography. They cover a broad range of specialist photographers including corporate, weddings, reportage, travel, food and drink. Their photography insurance covers theft or accidental damage to equipment, accidental injury to an employee, damage to third party’s property involved in the shoot, theft of money and increased cost of working.
4. Hiscox
Some of the features and benefits of Hiscox’s photographers’ insurance.
- Tailored photographer’s insurance
- Peace of mind cover
- Covers accidental loss or faults with equipment
- Professional indemnity insurance
- Covers the cost of settling or defending a client’s claim
- Public liability insurance
- Protection from claims for injury or property damage from the public
- Portable equipment cover
- Business interruption
- Equipment breakdown
Hiscox is an insurance provider that offers a wide range of business insurance products which are designed as either standalone cover or combined products for specific businesses or professions that will meet the whole of your business needs. This product range includes photographer’s insurance.
Hiscox’s photographer’s insurance is a tailorable policy that can cover public liability to protect you from claims from the public for injury or property damage. They offer professional indemnity insurance which covers the costs of handling, defending and settling any client’s claims about your work. They also offer tailored office insurance which covers portable equipment, business interruption and equipment breakdown.
5. Markel direct
Some of the features and benefits of Markel direct’s photographers’ insurance.
- Dedicated photographer’s insurance
- Covers a wide range of photographers
- Tailorable insurance
- Public liability insurance
- Professional indemnity cover
- Employer’s liability
- Office and equipment cover
- Personal accident cover
- Legal representation and employment disputes insurance
- Cover from as little as £5 per month
Markel direct is a specialist insurance provider that offers a wide range of business insurance products that are designed for specific professions and trades. Each of their policies are tailored to the needs of the profession but can be further tailored to meet your specific needs, such as the photographer’s insurance.
Markel direct’s photographer’s insurance allows you to select the cover and level of protection that you need. Their cover can include public liability and professional indemnity insurance with cover from £1 million to £5 million, and employer’s liability insurance of £10 million as standard. They also offer office and equipment cover, personal accident, legal representation and employment disputes insurance.
Financial Disclosure: We may be paid a fee if you purchase insurance via the Simply Business link at the top of this page.