What type of insurance do wedding photographers need?

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

Get public liability insurance from £84 a year, or choose a short-term policy to pay project-by-project.

Public liability insurance covers you for third-party property damage and personal injury caused by you or your business.

Get a quote

Photography Equipment Insurance

Get cover for your cameras, lenses, lights, laptop, phone and other equipment essential to the day-to-day running of your business.

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

Get a quote

Professional Indemnity Insurance

Professional indemnity insurance protects your reputation. As a wedding photographer, you will no doubt have clients and contracts that are important to your business.

If one of them makes a complaint against your work, a professional indemnity policy will pay for your legal fees, compensation and damages – up to the policy limit.

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

Buy cover for specific weddings and jobs

If you only need to buy cover for one wedding – for instance, if the venue has requested you have a certain level of public liability insurance in place – then our short-term insurance options are ideal.

You can choose to buy cover for just a day, a weekend, a week, a month – all the way up to a year. To give you an idea on the cost, you can buy £1m public liability cover for a week for just £28.

Get a quote

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

Get public liability insurance from £84 a year, or choose a short-term policy to pay project-by-project.

Public liability insurance covers you for third-party property damage and personal injury caused by you or your business.


Photography Equipment Insurance

Get cover for your cameras, lenses, lights, laptop, phone and other equipment essential to the day-to-day running of your business.

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


Professional Indemnity Insurance

Professional indemnity insurance protects your reputation. As a wedding photographer, you will no doubt have clients and contracts that are important to your business.

If one of them makes a complaint against your work, a professional indemnity policy will pay for your legal fees, compensation and damages – up to the policy limit.


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.


Buy cover for specific weddings and jobs

If you only need to buy cover for one wedding – for instance, if the venue has requested you have a certain level of public liability insurance in place – then our short-term insurance options are ideal.

You can choose to buy cover for just a day, a weekend, a week, a month – all the way up to a year. To give you an idea on the cost, you can buy £1m public liability cover for a week for just £28.


Wedding photographer insurance cost

Not sure how much cover you would need or how much you need to pay for insurance? Take a look at the table below for some examples of wedding photographer insurance cover and premium costs.**

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.

 
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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Do wedding photographers need insurance?

If you have any employees then it is a legal requirement to have Employers’ Liability insurance – in this case, ‘employees’ can mean paid, full-time staff as well as helpers, unpaid volunteers, temporary workers, and those on work experience.

It is also recommended that wedding photographers have some form of public liability insurance in place, as this can cover you and your business against any property damage or injury you may cause while working.

Equipment insurance should also be a consideration for wedding photographers. With a lot of expensive photography equipment – cameras, lenses, lights, bags, stands – as well as the smartphone, tablet and laptop you use to run your business and edit your photos, you could be stuck with a huge bill if something were to happen to your kit.

With Create you can insure up to £50k of equipment and choose to cover it for a few days, weeks, months or the full year.

Another form of insurance that wedding photographers should consider is professional indemnity insurance. This defends you against legal claims for negligence, breach of contract/confidentiality, libel and slander, so it can be very important in helping to maintain your reputation.

Get in touch

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

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