Create Insurance

Insurance for
Professional Photographers

Whether you’re snapping away at scenery, flying off on photo shoots or producing well-polished wedding photography, we’ve got insurance for you.

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Why you should choose Create:

With over 50 years in insurance behind us, we’ve teamed up with Hiscox to create cover for freelance photographers, their kit and their reputation.

Get public liability insurance from £84 a year, or choose to pay project-by-project. You can also insure your camera and kit for up to £50k, as well as hired equipment.

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My camera, my lenses, my lights.

From your SD cards to softbox umbrellas, we can cover the equipment you need to do your job.

Our technical and portable equipment insurance can cover up to £50k worth of kit, with short term and worldwide options.

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For the moments photo editing can’t fix.

Tripping over tripods, falling over cables or knocking over props, public liability insurance protects you if you are blamed for injury to a person or damage to their belongings.

At Create, our public liability insurance for photographers starts at £84 a year for £1m cover, with options up to £5m.

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Protecting your image, and your images.

Professional indemnity insurance is the one that protects your reputation. If a client makes a complaint against your work, the policy will cover your legal fees, compensation and damages.

You can add on professional indemnity cover to your Create policy from £123.20 a year, or split the cost for £10.27 per month.

Get a quote

Be back to work in a flash.

A good freelancer never blames their tools. But if your camera is broken, you might be in a predicament.

Our simple tool lets you notify us of claims and submit evidence online, making claims as painless as possible.

Get a quote

Crop out what you don’t need.

Next project only lasting nine days? Just need insurance for July? Our short term insurance means you can tailor the protection for your project.

Our public liability and equipment insurance can be bought for just one day, if that’s all you need it for. To give you an idea, you can purchase £1m public liability for a week for £28.

Get a quote

With over 50 years in insurance behind us, we’ve teamed up with Hiscox to create cover for freelance photographers, their kit and their reputation.

Get public liability insurance from £84 a year, or choose to pay project-by-project. You can also insure your camera and kit for up to £50k, as well as hired equipment.

My camera, my lenses, my lights.

From your SD cards to softbox umbrellas, we can cover the equipment you need to do your job.

Our technical and portable equipment insurance can cover up to £50k worth of kit, with short term and worldwide options.

For the moments photo editing can’t fix.

Tripping over tripods, falling over cables or knocking over props, public liability insurance protects you if you are blamed for injury to a person or damage to their belongings.

At Create, our public liability insurance for photographers starts at £84 a year for £1m cover, with options up to £5m.

Protecting your image, and your images.

Professional indemnity insurance is the one that protects your reputation. If a client makes a complaint against your work, the policy will cover your legal fees, compensation and damages.

You can add on professional indemnity cover to your Create policy from £123.20 a year, or split the cost for £10.27 per month.

Be back to work in a flash.

A good freelancer never blames their tools. But if your camera is broken, you might be in a predicament.

Our simple tool lets you notify us of claims and submit evidence online, making claims as painless as possible.

Crop out what you don’t need.

Next project only lasting nine days? Just need insurance for July? Our short term insurance means you can tailor the protection for your project.

Our public liability and equipment insurance can be bought for just one day, if that’s all you need it for. To give you an idea, you can purchase £1m public liability for a week for £28.

Get a quote

What insurance might photographers like me choose?

Not sure what insurance package would suit your photography specialism, date or need? We got out our trusty calculators and worked out a few examples to give you an idea.**

Base Insurance

Additional Insurance

Duration

Price*

£2m

Public liability cover

£10k

Equipment cover UK and EU

1

Week

£73.92

£1m

Public liability cover

£5k

Equipment cover UK and EU

1

Year

£140

£5m

Public liability cover

£5k

Equipment cover worldwide

1

Year

£252

£3m

Public liability cover

£50k

Equipment cover UK and EU

3

Months

£462

Your profession, your project, your protection.

Create starts with core covers of public liability or equipment insurance. You can then choose to add on extras to suit you.

 

Public liability insurance

Starting from £84* a year for £1m cover
Project involving people? Protect those around you with up to £5m public liability cover. Complaints, court fees and compensation claims can be expensive and time consuming, so it is a good idea to get cover if you’re working with the public. Some businesses, events and clients may even request it as part of working with them.
 
Professional indemnity insurance protects you against unhappy clients. If your work, product or advice has not met their expectations, a client may raise a claim against you. A professional indemnity policy would cover you for legal expenses, court fees and any compensation costs that may arise, subject to terms and conditions of your policy.
 
 
 
Equipment insurance covers your important kit, tools and devices against theft, loss and accidents. So, if you accidentally leave your tripod on a train or have a mishap with your make up kit, it's a good idea to insure the things you need to do your job.
 
If you employ other people to work on your projects, you should consider employers’ liability. Whether you employ a camera assistant or makeup artist, if you have hired them then you have a responsibility for their safety at work. Employers’ liability insurance protects your business, for example, if an employee files a claim against you because they were injured or have a dispute as a result of working for you.
 
 

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Insurance for photographers

Whether you specialise in wedding photography, corporate events, product photos or any other form of professional photography, you need an insurance partner that knows and understands your business needs.

As well as insuring your camera equipment and other business tools, such as your laptop and smartphone, to avoid any costly disruptions if you lose or damage anything, it can also be beneficial for photographers to have public liability insurance. This can provide protection in case you damage any third party property, or cause an injury to someone, while doing your job.

On top of that, professional indemnity insurance should also be a consideration – especially if you photograph important ‘one-time-only’ events such as weddings, corporate exhibitions and public occasions.

We’ve outlined the different forms of insurance available to photographers below, if you need any more information or have any questions you can contact our team now on 03300 582 882 or on our contact us page.

Public liability insurance for photographers

As a photographer you likely have a lot of regular interaction with clients, potential clients, subjects and members of the public. This means you can be exposed to a lot of risks in terms of causing accidental damage or personal injury.

For example, some equipment you are using – such as a heavy tripod – could fall over and injure a passer-by, or a client could trip over a wire in your studio. Even if you are semi-professional photographer, there is the risk of an accident that could damage a third party’s property or cause them injury. If you don’t have public liability cover in place, you could be left with an expensive claim to settle out of your own pocket.

To give photographers more choice and flexibility with their cover, we offer a range of public liability levels to choose from depending on your own needs and requirements. You can choose from the following cover amounts:

  • £1 million
  • £2 million
  • £3 million
  • £5 million

If you think you require a higher level of photographer public liability insurance, you can contact us directly to request it.

For more information, read our detailed guide What is Public Liability Insurance? – or get a quote now.

Professional indemnity insurance for photographers

Professional indemnity should also be a consideration, as this form of insurance is designed to protect your business and your reputation.

In simple terms, professional indemnity insurance provides cover for any mistakes you make – or any allegations that you’ve made a mistake. This could be a dispute over you producing different photographs compared with what the client thought you promised, or you losing a memory card with all the photos from a recent wedding on it.

Professional indemnity insurance provides:

  • Cover for any compensation pay outs awarded to your client (or a third party) if you are found liable of professional negligence
  • Cover for any legal costs you incur in defence of an allegation of negligence

Without a professional indemnity policy in place, you could be left defending your photography business and your reputation yourself following an allegation of negligence – which can be time-consuming as well as expensive.

Professional indemnity insurance for photographers could also cover disputes such as copyright infringement and other breaches of intellectual property.

To learn more, read our guide to professional indemnity here.

Equipment insurance for photographers

You wouldn’t be able to work if it wasn’t for your equipment – everything from your cameras and lenses to accessories like tripods, stands and bags – so it’s a good idea to make sure they’re covered in case anything happens to them.

Equipment insurance can cover your essential items against accidental damage, loss and theft – so you can work safe in the knowledge that you won’t face a huge bill to replace any equipment if anything should happen to it.

We can cover your equipment up to a total of £50k, but before buying equipment insurance it’s a good idea to work out exactly how much your photography equipment is worth so you can get the right level of cover for you. Otherwise you run the risk of either not having the right amount of cover when it comes to making a claim, or overpaying for more cover than you need.

Find out more about equipment insurance.

What other insurance might photographers need?

As well as the above ‘core’ covers that professional and freelance photographers should consider, there are also others forms of insurance that could be applicable to your business.

If you have any employees, for example, then it is a legal requirement for you to have Employers’ Liability insurance in place. It’s also worth considering other covers such as legal expenses insurance, business interruption insurance, cyber insurance and business buildings and contents insurance.

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Get in touch

03300 582 882
hello@createinsurance.co.uk

Address

AGM House
3 Barton Close
Grove Park, Enderby
Leicester
LE19 1SJ

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Types of cover

Create Insurance is a trading name of BHIB Limited. Registered office is AGM House, 3 Barton Close, Grove Park, Enderby, Leicester LE19 1SJ. BHIB Limited is registered in England and Wales number 829660. Authorised and regulated by the Financial Conduct Authority under registration number 116675. For more details you can check the Financial Services Register by visiting www.fca.org.uk. We are covered by the Financial Ombudsman Service. You can find out more at www.financial-ombudsman.org.uk.

*All premiums quoted include Insurance Premium Tax (IPT) at the prevailing rate
**Examples on this page are for illustrative purposes only and are based on the assumption of purchasing certain products and levels of cover
***Any insurance payments are subject to the terms and conditions of your policy

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