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Photography Insurance
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Why choose Ripe for Photography Insurance?
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Cover for hired-in equipment when you need it
If you bring in extra kit for a shoot, it can be covered while you use it, helping you stay protected on the day.
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Protection for equipment stored in your vehicle
Your photography kit can be covered while kept in your vehicle, so you are protected when working on the move.
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Cover for the people you work with
Protection can extend to assistants and helpers, ensuring they're also financially protected.
Photography insurance, so you can focus on the shot
Photography lets you capture moments, tell stories and turn creativity into something lasting. Whether you’re shooting professionally or pursuing photography as a passion, your camera kit comes with you on every job. From accidental damage to theft, unexpected issues can disrupt your work if you’re not adequately financially protected.
Specialist photography insurance by Ripe could help financially protect you if the worst happens – whether your camera equipment is stolen, damaged on a shoot, or someone makes a claim against you following an accident. Photographer insurance by Ripe is designed to support photographers with cover that helps you keep shooting with confidence.
What does photography insurance cover?
Photography insurance by Ripe can cover theft and accidental damage of your camera and photography equipment plus Public Liability.
Flexible cover options – insure equipment, Public Liability, or both on one policy
Camera and photography equipment – theft and accidental damage up to £60k (New for Old for items up to 3 years old)
You can also opt to include theft and accidental damage to equipment outside of the insured location (i.e your home or studio) up to £30k. Equipment cover includes – cameras, lenses, tripods, cases, video and audio equipment, and accessories
Public Liability – protection against claims for injury to third parties or damage to their property
For the full list of what's covered, please visit our Important Documents page.
Mobile phones and tablets – when used alongside photography equipment
Cover outside the UK – EU or Worldwide options available
Theft from a vehicle – unattended equipment cover up to £20k
Optional Cover Options For Professional & Semi Professional Photographers
Equipment hire costs – replacement equipment following damage or theft
Professional Indemnity – claims for errors, omissions or negligence
Portfolio cover – reproduction, re‑printing and re‑lamination costs
Hired‑in equipment – cover for temporary replacement equipment
Associates cover – extends cover to assistants or volunteers
Legal expenses – including contract disputes, tax enquiries and legal helpline
Loss of photography equipment
Theft where security requirements are not met
Theft from an unlocked vehicle or visible equipment
Equipment misuse outside manufacturer guidelines
Hired‑in equipment without a formal hire agreement
Equipment stored in wooden buildings
Personal injury to the policyholder
Employment tribunal costs over £25k
Mechanical or electrical breakdown unless it results in a fire
Why should I consider photography insurance?
Many photographers invest thousands of pounds in cameras, lenses and accessories, yet much of this equipment is used only on certain shoots or kept stored between jobs. During that downtime, your kit could be at risk of theft, loss or accidental damage – particularly when travelling, working on location, or storing equipment away from home.
Beyond equipment risks, photography also brings potential liability concerns. Accidental damage to a venue, injury to a member of the public, or disputes following a shoot could result in costly claims if you’re not adequately insured.
Photography insurance can help provide reassurance, whether you’re working on a paid assignment, photographing an event, or heading out on a personal shoot. With specialist photographer insurance in place, you can focus on capturing the perfect image.
Videographer Insurance
Photographers aren’t the only creatives who need the right protection. If you also shoot video, specialist videographer insurance ensures your cameras, lighting, audio kit and accessories are just as well covered as your photography equipment.
Whether you’re filming events, producing commercial content or working on personal projects, videography insurance can safeguard your gear against accidental damage or theft and cover you for third‑party claims arising during a shoot. It’s flexible, easy to tailor, and designed to give you confidence behind the camera, whatever you’re creating.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Photography Insurance FAQs
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Yes, event photographers can benefit from having insurance. If a guest trips over your kit or you accidentally damage the venue or its property, you could be held responsible for the resulting costs. Having the right cover in place can help to financially protect you against potential claims, and if your equipment is damaged during an event.
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Your premium can depend on the type of work you do and the amount of equipment you need to cover. Add up everything you rely on – cameras, lenses, laptops, lighting and accessories – so the total value reflects all the equipment you use if something gets damaged or lost.
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Photography insurance can help to provide wider financial protection for photographers. It can include cover for your equipment as well as Public Liability, Professional Indemnity, and other options that support the way you work.
Camera insurance focuses solely on financially protecting your camera and related equipment. It can cover things like accidental damage and theft, giving you peace of mind that your kit is protected, whether you’re shooting at home, on location, or travelling.
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Yes, if you shoot both photos and video, your equipment and liability cover can extend to videography as well. You can tailor your policy, so both sides of your work are financially protected.
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Yes. If you choose liability cover, this can help to financially protect you if your work causes injury to someone or damage to property during a shoot. This includes events, commercial jobs, and location work.
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Absolutely. You can choose EU or worldwide cover so your cameras, lenses and accessories are protected on shoots abroad, subject to the options you select.
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Yes, accidental damage is one of the core risks photographers face, from drops and knocks to mishaps on location. With equipment cover in place, repairs or replacements could be covered if you accidentally damage your equipment.
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Home insurance often doesn’t cover professional use or high‑value equipment outside your home. Specialist photography insurance means your kit is covered wherever your working, and dependent on whether you select worldwide or EU cover.
