Photographer liability insurance

Secure photographer liability insurance quickly and without fuss. We're simply priced, flexible and upfront.

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Professional indemnity insurance for photographers UK
Professional indemnity insurance for photographers UK
Professional indemnity insurance for photographers UK
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What is photographer insurance?

Photographer insurance isn’t one thing. It’s several products you buy to meet the specific insurance needs of your photography business.

Because you’re working with people, public liability is often the first insurance most photographers buy. However, photographers also benefit from professional indemnity insurance as well as protecting their kit. Adding commercial legal expenses insurance is also an intelligent move for photographers.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do photographers need insurance?

As a freelance photographer, you are responsible for every aspect of your business. And those responsibilities of a photographer can quickly become anxieties if you’re facing a claim from a dissatisfied client and you haven’t got photographer liability insurance to fall back on. 

Upset or loss caused by your work

The work of a photographer is rewarding but also connected with certain responsibilities - deliver on time, meet high expectations, please everyone involved, and cause no disruption.

Damage to your camera and equipment

Sometimes, an unhappy client might decide to claw back what they've paid you by initiating a chargeback. You'll need help to fight it if it is a substantial amount.

Accusation of overstepping the boundaries

During a one-on-one session, you say something that's taken the wrong way. As a result, you may find yourself facing a legal claim.

Causing an injury

Back up to take a picture or leaving your kit lying about can be the reason behind someone’s injury. If the injured party feels they go hurt because of you, they may demand that you pay their medical bills.

What is photographer liability insurance?

Photographer liability insurance is an umbrella term for several legal liability products, including public liability, professional indemnity, employers’ liability and commercial legal expenses insurance.

Legal liability insurance protects photographers against legal actions arising from their business activities. Depending on your business needs, you may need to purchase one or more of these liability products.

Public liability insurance for photographers

Public liability insurance protects photographers from claims of injuries or property damage.

Often, photographers work with clients or models face-to-face. This could be in a studio or outdoors with other people around. Accidents can happen, and if you or your photography equipment cause the accident, you might be looking at a demand for compensation.

Public liability is an inexpensive protection against these unfortunate accidents.

What does photographer public liability insurance cover?

Public liability insurance covers the legal costs to defend against injury claims and associated compensation demands. 

If someone makes a claim against you for causing an accidental injury or property damage or loss, public liability will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example, you face financial demands because:

  • Someone took a step too far and fell over your equipment sustaining a serious injury. 
  • Equally you may have taken a step back and by doing so knocked someone over; their fall could result in a compensation claim against you.

Professional indemnity insurance for photographers

Professional indemnity insurance protects photographers from accusations of professional mistakes, negligence or failing duty of care.

Whether you are a photojournalist, do weddings or do commercial photography, the result is considered art and as such, the expectations of your clients are sky-high.

If you drop one of the many balls you have to juggle daily, you might face a passionate client demanding something from you to remedy your mistake. 

What does photographer professional indemnity insurance cover?

Professional indemnity insurance covers the legal costs to defend against accusations of wrongdoing arising from a photographer's work product. It will also pay compensation if due.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you face financial demands from a client because:

  • You missed the deadline and perhaps your client's promotional event couldn’t go ahead. They’re now claiming a financial loss.
  • You lost the entire photo file from someone’s wedding, or the end result is deemed unacceptable by your client, and they’re refusing to pay.
  • The photographs you took cause an offence, and you’re being sued for damages
  • The artistic interpretation was misjudged, and you damaged someone’s brand or reputation

What professional indemnity limit do photographers need?

The professional indemnity limit you need depends on your business activities. When choosing a limit, consider how often you work, how many clients you have, and the potential financial impacts if your photography goes wrong.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your photographer insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I retire from photography?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from professional photography. Claims against professional misconduct can surface months or years after you delivered the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of photography work you did and the likelihood that a client might bring a claim against you. 

Other insurance photographers buy

As a photographer, the type of additional insurance you require will depend on your business situation. It's important to consider whether you have the financial resources to replace or repair your equipment, if you could manage a legal disagreement, and how you would handle a tax investigation by HM Revenue & Customs.

Photography equipment insurance

Every photographer relies on their photography equipment to do their job. Protecting your electronic business equipment with insurance is a smart way to deal with unexpected replace or repair costs following an accidental damage or theft.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect photographers against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist photographers in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Negative PR
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You need help with a negative PR situation that’s damaging your business

Photographers we insure

Suited offers insurance coverage for a wide range of photographers, including:

  • Commercial photographers
  • Film photographers
  • Fashion photographers
  • Food photographers
  • Landscape photographers
  • Photo processing & printing
  • Portrait photographers
  • Product photographers
  • Videographers
  • Wedding photographers
  • and more..

Shopping for photographer liability insurance

Whether or not you decide to use Suited photographer insurance to protect your business, it’s worth keeping the following in mind:

Cheap photographer insurance

When selecting your photographer insurance, do not only fixate on the cost. It is vital to verify the provider's accessibility. Suited ensures prompt responses to inquiries and provides various means to get in touch with us.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.

Common questions

Do photographers need public liability insurance?

Photographers kay need public liability insurance if the shoots they do include working in public spaces. Public liability insurance is also a useful cover to have if you work with members of the public or at third party properties. Any injury or damage you cause could end up in a claim against you.

Can I get photographer liability insurance on a monthly basis?

Yes, Suited provides photographer liability insurance by the month.

How is the cost of professional indemnity insurance for photographers calculated?

At Suited we only take into account your annual turnover, that's it. We do not charge per person.

Do wedding photographers need insurance?

Wedding photographers may need insurance for a number of reasons. With the cost of weddings sky high, the expectations on a wedding photographer is to safely capture every moment and deliver amazing results. What would happen if you failed or caused damage or injury spoiling the event?

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Photography public liability insurance
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Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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