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Insurance for photography professionals

Camera lenses

Focusing on the right protection for your photography business.

If you’re a professional working in photography or videography, you’ll know the risks that come with your business and the importance of having the right insurance cover in place. Our professional photography insurance gives you the option to add cover for all aspects of your business, including your equipment, Public Liability, Employers' Liability and many other types of optional cover. This gives you a policy tailored to your business and complete peace of mind and protection.

How do you classify a professional photographer/videographer?

For the purpose of our 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, so you might want to take a look at our semi-professional photographer options instead. If you don’t earn any money from your images, take a look at our amateur photographers page instead.

What insurance do professional photographers and videographers need?

As a professional in the photography industry, your insurance needs are probably more extensive than just your cameras, lenses and other equipment. You are likely to need Public Liability insurance, which provides cover against any claims against you for injury to third parties and/or damage to third party property. You’ll probably also need Professional Indemnity insurance, to cover you for mistakes, such as losing or causing damage to photographs or videos that your clients have commissioned. If you employ anyone as part of your business, you are also legally obliged to take out Employers’ Liability insurance.

Do professional photographers need to have insurance?

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, you are likely to have lots of expensive equipment and the risk of damage or theft increases as you'll be using it more regularly. Relying on your home or motor insurance to provide you with adequate cover might not be the answer, as many have exclusions for business use.

What cover options are available?

We offer cover for damage to your equipment up to the value of £60,000 in total (the maximum amount of portable equipment is £30,000), theft from an unattended vehicle up to £20,000 and mobile phones and tablets up to £1,000. You can choose Public Liability cover from £1m, £2m, £5m or £10m. Professional Indemnity is available up to £75,000 or £150,000 and Employers’ Liability is fixed at £10m. We also offer additional cover for Accidental Damage/Theft to your Portfolio (up to £2,000), Equipment Hire and Hired-In Equipment, Legal Expenses and Associates Cover. Have a look at everything we offer.

How much does camera and photography insurance cost?

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. We know that photography businesses can vary so much that there is little point in creating packaged policies, as this often leads to unnecessary cover and inflated premiums. With Ripe Insurance for Photography, you'll see that we clearly display prices for each item of cover as you add it to your quote, so you'll see exactly what's covered and there will be no nasty surprises at the end. We’re committed to giving the best prices we can, so we offer discounts for members of Photography Associations and trade bodies, as well as offering a Lowest Price Guarantee. See how much you could save - get a quote now.

Can I just get Public Liability cover?

Of course! 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. Try it here.

Does home insurance cover professional photographers and videographers?

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, so it’s probably best to try a specialist photography insurer. We’d be delighted to give you a quote!

Any questions

Not sure what you need? See our full list of cover options or check the FAQs.

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