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Photography Insurance
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Why choose Ripe for Photography Insurance?
Ripe arranges specialist photography insurance that can financially protect both you and your equipment. UK-based and rated Excellent on Trustpilot, Ripe is backed by over 20 years of experience and trusted by over 400,000 policyholders across our products.
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Up to £60k cover for your photography kit
Financially protect your camera kit against theft and accidental damage at your insured home or studio.
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Equipment, Public Liability cover or both
Choose equipment cover, Public Liability or both, then add options to suit how you shoot, including hired-in equipment for a particular job or Professional Indemnity cover for professionals & semi professionals.
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Optional EU or worldwide cover
Choose EU or worldwide cover for up to 60 days during the period of insurance, helping financially protect your insured kit while you’re away.
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Phone & Tablets can be covered too
Photography doesn’t always stop at your camera. Add theft and accidental damage cover for phones and tablets used for photography activities.
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?
A damaged camera, stolen lens or accident during a shoot could leave you facing unexpected costs. Photography insurance by Ripe lets you choose equipment cover, Public Liability or both, with optional extras to suit how and where you shoot. Explore the cover options and limits below.
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)
Individual equipment items – a £10k single-item limit applies
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.
Equipment away from your insured location – optional theft and accidental damage cover up to £30k
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
What types of photographers can get photography insurance?
Ripe arranges photography insurance for amateur, semi-professional and professional photographers, as well as videographers. Flexible cover options are available for a range of photography activities, including:
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Amateur photographers
Enjoying photography as a hobby, from capturing holiday memories and family moments to experimenting with new subjects and techniques.
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Freelance photographers
Creating portraits, product shots and content for clients, from studio commissions to photoshoots on location.
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Wildlife photographers
Photographing birds and animals in their natural surroundings, from garden wildlife to remote habitats.
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Sports photographers
Capturing the action with a high frame rate camera at matches, competitions and sporting events, from grassroots games to professional fixtures.
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Event photographers
Documenting celebrations, performances and corporate events, whether it be candid moments or the main attraction.
Photographing weddings? Explore professional photography insurance for more information about cover for wedding photographers.
Why should I consider photographer 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.
Photographer 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.
Here's what some of our policyholders say about us...
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Tony, December 2023
"Loved the ability to tailor a quote to different areas of the world.
Easy system to use.
Thoroughly recommended rather than sticking high-value items on home insurance."
★★★★★ -
Kenneth, February 2026
“I have used Ripe Insurance in the past and have been happy with their service. So when I wanted to insure my photographic equipment, I was pleased to see that Ripe could provide it.
Very easy to get all my stuff covered and at a realistic price.”
★★★★★
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Chris, May 2026
“The price beat most of the competition, but what sealed it for me was the ease of online set up. Once I’d read the policy details, completion online was really easy and straightforward. The plan details were exactly what I wanted, without the onerous demands and exclusions of other insurers. I’m very happy and impressed.”
★★★★★
Photography equipment insurance
Ripe arranges insurance for the photography equipment behind your shoots. If you’re looking for camera lens insurance or to cover your other specialist equipment, these can be included within your selected equipment cover.
Equipment can include:
Cameras and lenses: camera bodies, lenses, camera backs, filters and viewfinders.
Lighting and supports: portable lighting, stands, tripods, light meters and colour meters.
Video and audio equipment: video cameras, sound equipment and steadicams.
Cases and accessories: camera bags, carry cases, rain covers, adapters, battery chargers, and rechargeable batteries. Theft of batteries is excluded.
Computers and printers: laptops, desktop computers and printers primarily used alongside photography equipment.
Specialist kit: binoculars, thermal imaging equipment and photography props.
Phones and tablets: optional theft and accidental damage cover when used for photography activities
Drones and their associated equipment are excluded.
Get a quote for photography equipment insurance by Ripe to explore the options for your kit.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £20 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.
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Consider the value of your kit, where you use it and what your existing insurance covers. Replacing a stolen camera or damaged lens could be costly, even if photography isn’t your profession. Photography insurance by Ripe is available for amateur photographers too.
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Your home policy may cover some camera equipment, but check its single-item limits, cover away from home and restrictions on paid photography. Specialist photography insurance lets you select equipment and liability cover for your photography activities.
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Equipment cover and Public Liability do not cover every client dispute. Optional Professional Indemnity can help financially protect you against claims arising from negligent acts, errors or omissions in your photography work. A complaint alone does not automatically mean a claim is covered.
