Financial protection for your photography business.
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Professional Photographer Insurance
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Why choose Ripe for Professional Photography Insurance?
Whether you’re shooting at a wedding or another private event, Ripe arranges specialist professional photography insurance that is backed by a UK-based customer service team and over 20 years of experience. With a rapid online quote process, you can receive a quote for your professional photography insurance in minutes.
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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.
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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.
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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.
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Financial protection for client claims
A mistake on a paid shoot could lead to a costly claim. Optional Professional Indemnity cover can help cover you or your employees against claims arising from negligent acts.
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.
What does professional photography insurance by Ripe cover?
Ripe arranges professional photography insurance with cover options for your equipment, liability to others and claims relating to your work. You can also add hired-in equipment and replacement hire costs cover to suit your requirements. See the 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
Wedding photographer insurance for paid shoots
Have you recently been booked as a couple’s wedding photographer and considering cover?
Wedding photography brings together valuable kit, busy venues, and high-pressure moments to capture the perfect shot. Ripe arranges professional wedding photography insurance with flexible cover options to help so you can focus solely on the shoot when photographing a couple’s big day.
Working at a wedding venue?
Ceremonies and receptions are normally busy occasions and often mean working around guests, venue staff and other suppliers. Therefore, if an accident occurs, such as a guest tripping over your tripod or your equipment accidentally damaging venue property, then Public Liability cover can provide you with another layer of support for any claims that may arise.
Further cover for hired equipment and assistants
Hiring an extra camera or specialist lens? Optional hired-in equipment cover is available for those larger weddings where an extra hand is needed to capture those special moments from the big day
If an assistant works under your direct control and supervision, Employers’ Liability can help financially protect you both against any injury claims.
As a wedding photographer, you work at busy venues with large groups of people where many accidents can happen, so you may also want to consider the cover options:
Equipment away from your insured location: If your role has you shooting at various locations away from your studio or home.
Public Liability: If something goes wrong on one of your wedding shoots and somebody makes a claim
Replacement equipment hire: If your kit is damaged or stolen, with an important booking coming up, so you do not have to cancel.
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!
Professional Photographer Insurance FAQs
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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.
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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.
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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.
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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.
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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.
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A venue may also require photographers to hold their own Public Liability insurance. Before turning up to the shoot, you may want to consider checking its requirements, including any minimum cover limit.
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No. Hired-in equipment cover protects equipment you hire against theft and accidental damage, subject to a formal hire agreement. Equipment hire costs cover helps pay for comparable temporary replacement kit following an insured theft or accidental damage claim. Both are optional with a photography insurance policy by Ripe.
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If you are comparing different photography insurance policies, there are a wide range of factors you may want to consider when selecting, such as equipment limits, single-item limits, excesses and security requirements, alongside cover for location work and travel.
Get a quote for professional photography insurance by Ripe to compare the available cover options and costs for you and your equipment.
