Photographers' insurance

Secure photographer 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
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Quickly priced
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Buy online
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Instant cover
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A few coins.
Pay monthly
The problem

Self-employed photographers face many risks

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, 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. If it is a substantial amount, you'll need help to fight it.

Injury from lights or studio gear

Where scissors, chemicals and heat are used, an accident can happen at any time no matter how careful and well trained you are.

Accussation of overstepping the boundaries

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

Photographers insurance uk

You need photographers liability insurance that's flexible, easy to change and competitively priced

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

Photography public liability insurance
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More flexible

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.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

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.

Covers to consider

How much does photographer insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers photographers should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 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

Self employed professional indemnity insurance

Professional indemnity

from £8.63 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

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 +£9.24 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
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

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

In detail

Is photographers liability insurance important?

Yes. As a freelance photographer you carry the responsibility 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 photographers liability insurance to fall back on.

Professional indemnity insurance for photographers

Whether you are a photo journalist, do weddings or commercial photography, the end 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 on a daily basis, you’ll be faced with an emotive client demanding something of you to remedy your mistake.

And there could be a number of reasons why a client might feel entitled to a financial compensation:

  • you missed the deadline and perhaps your client 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
The list could go on and any of these scenarios lead to sleepless nights and high legal or compensation costs.

Professional indemnity insurance for photographers protect against those and many more scenarios.

Public liability insurance for photographers

However, for a solid legal protection you should also consider public liability insurance for photographers. The nature of most photographers’ work involves working with the public.

Accidents happens, someone takes a step too far and falls over or the equipment causes an injury. If that happens, you might be looking at a demand for compensation.

How does public liability and professional indemnity insurance for photographers work?

Professional indemnity cover is designed to protect photographers from claims of professional mistakes, negligence or breach of confidentiality.

Public liability cover's purpose is to protect photographers against claims of causing an injury or property damage.

The basic elements of both covers are reimbursement of any defence legal costs and a compensation payout if you're found liable.

Suited approach goes beyond those key elements. Suited brings to the table a legal team provided by an international law firm experienced in defending professional indemnity claims.

Their work is paid for by your insurers but the legal team will represent you during a claim situation. Right from the very beginning so that the matter is handled correctly, swiftly and hopefully brought an early closure.

The legal team will also liaise with you insurers so that you don't have to. If there's a compensation agreed, it will be taken care of. There will be nothing for you to pay.

Cancelling public liability and professional indemnity insurance for photographers

You can cancel your public liability insurance when you no longer need it. If a claim arises from the period during which you held insurance, you should be covered.

Remember that when it comes for professional indemnity insurance, it's not the same.

You're only covered if a) you have an active policy in place when a claim is made against and b) either the start date or retroactive date of your policy fall before the situation that has led to the claim.

Therefore if you're taking a break or might be thinking of winding up your business, having your professional indemnity insurance for photographers in place for some extra time might be wise.

With Suited you can choose to hibernate your PI cover which means paying less going forward while staying covered for your past work.

Select the right level for your photographers liability insurance.

Public liability and professional indemnity insurance for photographers is rarely a contract condition therefore the decision what limits to buy for each of these covers needs to be based on the type of work you undertake, who for, who with, and where.

For example if you're working with celebrities or well known persons, your risk of being sued is higher and so is the possible payout. On the other hand if you're a nature photographer and never meet anyone during the course of your work, you probably don't require the highest limit the market can offer.

The location of your work is also important. For example Ireland is a very litigious country. If your work takes you around the world, be aware of what impact that could have if you make a mistake or cause damage.

Is your work time sensitive? In other words would your client suffer financially if you don't deliver on time?

These are all the questions you should ask yourself before selecting a limit. The temptation is to go for a lower limit because it's cheaper but the cost of litigation can easily run into hundred of thousands and if there is a compensation to pay on top of that, will the policy limit be enough?

In this section

Common questions

Do photographers need public liability insurance?

It is 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?

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?

Contact us
Prefer to speak?

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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