How do you classify a professional photographer or videographer?

For Ripe insurance, a professional photographer or videographer is someone whose photography or videography earnings represent more than 50% of their annual income. If earnings are below this level, the individual is classed as semi-professional.

Do professional photographers need to have insurance?

Employers’ Liability insurance is legally required if you employ anyone. Public Liability and Professional Indemnity are optional, but many professionals choose this cover to protect against potentially expensive claims.

Does home insurance cover professional photographers and videographers?

Home insurance is unlikely to provide adequate cover for professional photographers. Cover limits may be too low, use outside the home may be excluded, and liability covers such as Public Liability, Professional Indemnity or Employers’ Liability are typically not included.

Can I just get public liability cover?

Yes. If your equipment is insured elsewhere, you can take out a standalone Public Liability policy through Ripe quickly and easily via the online quote process.

How much does camera and photography insurance cost?

The cost of camera and photography insurance depends on the cover options selected and the level of cover required. Pricing varies based on your individual needs and the protection you choose.

Professional Photographer Insurance

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Financial protection for your photography business.

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Monthly payment option

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Why choose Ripe for Professional Photography Insurance?

Cover for hired-in equipment when you need it

If you need extra kit for a shoot, hired equipment can be included, helping you stay covered when it matters most.
Protection for your equipment in your vehicle

Your photography kit can be covered when stored in your vehicle, so you are protected when working on location.
Cover for the people you work with

Protection can extend to assistants and helpers, so those supporting your shoot can be included in cover by Ripe.

Focusing on photography insurance built for your photography business

If you’re a professional working in photography or videography, you’ll know the financial risks that come with your business and the importance of considering having insurance cover in place. Professional photographer insurance by Ripe gives you the option to add cover for your equipment, Public Liability, Employers' Liability and other types of optional cover.

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What does professional 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
Mechanical or electrical breakdown unless it results in a fire

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Professional Photographer Insurance FAQs

For Ripe insurance a professional photographer is someone whose photography earnings represent more than 50% of their annual income. In other words, being a photographer or videographer is your main profession. If your photography or videography earnings make up less than 50% of your annual income, you are classed as being semi-professional.
By law, you are required to have Employers’ Liability insurance if you employ anyone to work with you in your photography or videography business. Public Liability and Professional Indemnity are optional, but most professionals working in the photography industry would tend have this cover in place, as without it, you could be at risk from expensive claims if things go wrong.
As a professional working in the photography industry, it’s unlikely that your home insurance will provide you with the right type, or level of cover you’ll need. Your expensive equipment may be above the limits in place and cover outside of the home, or whilst at work, may be restricted. It’s also unlikely that your home insurer will cover you for Public Liability, Professional Indemnity or Employers’ Liability.
Yes - If you’ve got your equipment insured elsewhere, you can zoom through check out in no time and you’ll get your Public Liability insurance sorted in a matter of minutes. You can get a quote here.
There are a variety of different cover options available, and the cost of your policy is generally dependent on what you choose - and the level of cover you need.