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Insurance for Photographers

A photographer’s reputation is critical and photography insurance can be complicated. From self-employed photographers to studios, risks include everything from data and financial losses to cancelled shoots, stolen equipment, physical injury, kidnap or death. Any loss or damage can have a significant impact on your earnings and reputation, and if a client or third party is affected they could take legal action. Contractually you may also be required by your client to have insurance.

We’re experts in photographer insurance

As a partner business of Williamson Carson, insurers to the creative industries, we know the photography and film industry inside out and the associated risks. All our photography and film insurance covers are tailored for the industry and to your unique requirements. Working with specialist insurers, we offer insurance packages with comprehensive protection not available anywhere else. From professional indemnity to all risks insurance for cameras, we can also arrange extensions such as rectification costs cover which will help you rectify any mistakes you may make before your client becomes aware. We also provide specialist insurance protection to industry bodies, including members of the British Association of Picture Libraries and Agencies and the Association of Photographers.

Always personal, always bespoke

As a privately owned broker with a small and dedicated multi-disciplined and experienced team of advisors with expertise in the photography and film sector, we pride ourselves on our exceptional service. Whether you’re getting a quote or making a claim, your insurance will always be handled personally by an expert member of our team.

The below packages have been designed for Filmmakers with an income of less than £100,000. Click on the package that best suits your needs.

Photographers Insurance

Package 1
£ 20 monthly
  • £5,000 Cameras
  • £1m Public Liability
  • £100k Professional Indemnity
  • £2k Re-shoot and re-compilation costs
  • £750 Loss of Film Processing

Photographers Insurance

Package 2
£ 29 monthly
  • £10,000 Cameras
  • £1m Public Liability
  • £100k Professional Indemnity
  • £5k Re-shoot and re-compilation costs
  • £500 Continuing and alternative hire charges
  • £750 Loss of Film Processing
Popular

Photographers Insurance

Package 3
£ 46 monthly
  • £15,000 Cameras
  • £2m Public Liability
  • £250k Professional Indemnity
  • £5k Re-shoot and re-compilation costs
  • £500 Continuing and alternative hire charges
  • £750 Loss of Film Processing

Photographers Insurance

Bespoke
£ POA monthly
  • Need something tailor-made? Just complete the form and we’ll provide a bespoke quote by return.

Photographers Insurance

Package 1
£ 20 monthly
  • £5,000 Cameras
  • £1m Public Liability
  • £100k Professional Indemnity
  • £2k Re-shoot and re-compilation costs
  • £750 Loss of Film Processing

Photographers Insurance

Package 3
£ 46 monthly
  • £15,000 Cameras
  • £2m Public Liability
  • £250k Professional Indemnity
  • £5k Re-shoot and re-compilation costs
  • £500 Continuing and alternative hire charges
  • £750 Loss of Film Processing

Photographers Insurance

Package 2
£ 29 monthly
  • £10,000 Cameras
  • £1m Public Liability
  • £100k Professional Indemnity
  • £5k Re-shoot and re-compilation costs
  • £500 Continuing and alternative hire charges
  • £750 Loss of Film Processing
Popular

Photographers Insurance

Bespoke
£ POA monthly
  • Need something tailor-made? Just complete the form and we’ll provide a bespoke quote by return.

Our approach

We insure

Specialist photography insurance

Why trust us with your photographers insurance?

Re-shoot and re-compilation costs: Our insurance goes beyond the cameras themselves and extends to cover the expenses associated with re-shoot and re-compilation as a result of damage to your cameras.
Transparency: We strongly believe that a transparent policy is extremely important. Where possible we ask clients to itemise the equipment they have. In the event of loss or damage, the claims can be paid extremely quickly. We can also provide two options; replacement cost as new or second-hand replacement cost.
Clear cover in respect of theft from un-attended: All specialist photographic insurance policies will contain different levels of cover in respect of theft from un-attended. What is critical, is that you are clear as to what and when you can leave your filming equipment unattended in your vehicle. Whenever we insure photographers, we ensure you are clear on the cover provided.
Production indemnity: If you have any involvement with commercial productions, we can include specialist production and re-shoot indemnity.

A few tips when buying photographers insurance.

As a photographer, it’s important that you think carefully when buying insurance. It’s too easy to get it wrong and insurers don’t help with complicated policy wordings and endorsements. This guide provides some key considerations for photographers when buying insurance
So, what do you need to protect as a photographer?
We think two of the most important factors are:

  1. your cameras and kit – without it you’ll come to halt, quickly.
  2. your reputation – referrals and existing contacts are probably a huge source of your annual income

You can reduce your risks significantly by carefully selecting a reputable insurer and ensuring you are covered correctly.

Insuring your cameras and kit – what to look out for when choosing camera insurance / photography insurance?

Endorsements and exclusions – unfortunately, every insurer is different and as result, you can often get caught with a policy that has an important exclusion or requires certain conditions before a claim is made. Below are a few important endorsements to keep an eye out for when buying camera insurance

  1. Forcible and violent entry – effectively restricts cover unless there is physical evidence of entry or exit to your property, i.e. smashed window by thieves to gain entry. Look for “full theft cover” which is far broader.
  2. Care, custody and control – restricts cover unless your camera is with you whilst outside your home/business address. Gives insurers a chance to wriggle out of claims unless you can prove the camera is in your care at all times!
  3. Unattended vehicles – can exclude theft from your vehicles if you leave your vehicles unattended, even if temporarily. If it’s common for you to leave your cameras unattended in your vehicle, you should be aware of the cover provided under your policy.
  4. Equipment case or professional packing – another endorsement that insurers use to their advantage. Insurers can refuse to pay a claim for damage whilst your camera is in transit, for example in the back of your car, unless you can prove your camera was contained in an equipment case of adequate protection or professionally packaged.

 

It’s important to highlight that many insurers may refuse to alter the exclusions above, but nonetheless, an awareness of these exclusions should help encourage you to be extra careful with your cameras.

  • Excess – the excess you must pay varies somewhat in the market for photographer insurance. Unfortunately, filming equipment is theft attractive and can also be damaged easily. It might be worth looking around the market for lower excess and paying slightly more.
  • All risks – be sure to opt for an insurer that is offering what is known as “all risks” cover. All risks cover basically means that your cameras are insured as a result of damage from any eventuality other than what is excluded. Yes, there still will be exclusions, but this is broader cover than what is known as a specified perils policy, which only covers the perils such as fire, theft, flood etc, as specified.
  • Business interruption – check if the policy includes business interruption. Business interruption will either replace the income you would have earned during the time you were without equipment or provide cover to rent/hire alternative equipment whilst you obtain replacement cameras and video equipment.

Protecting your reputation as a photographer

As a photographer your reputation is critical. There are two insurance covers we suggest you consider which will help you protect that reputation:

Professional indemnity insurance for photographers

This covers your mistakes and protects you when clients allege that you haven’t done a good job. You might think it will never happen but it does. A photographers professional indemnity policy will cover anything from the costs of replacing accidentally deleted client photos or re-shoot costs if your shoots were not as required by the client.

Importantly professional indemnity provides both

  • compensation to your client, in circumstances where you are liable due to professional negligence, and
  • defence costs, to defend you against unjustified allegations

So, why does this help protect your reputation as a photographer? There’s nothing worse than (in the unlikely event something does go wrong) attempting to handle this matter yourself. If you are insured with a reputable insurer, their claims handlers and solicitors are experts in these situations and may be able to make the problem disappear without any fuss. More time for you to do what you love … photography.

Public liability for photographers

Public or General Liability covers claims against you or your business from third parties for bodily injury and property damage as a result of your business activities, for example, if someone trips over your tripod and injures themselves. Public liability insurance is important for photographers as you are constantly away from your premises, increasing the chance of causing bodily injury or property damage to a third party.

Camera insurance and the importance of the right insurer

We won’t make comments on any insurance companies here, but we will advise you that the claims service between the various camera insurers will be different. Do your homework on the insurance company you choose, and don’t be tempted to always opt for the cheapest, you may pay the price at a later date.

In the event your cameras are damaged or stolen, you need an insurer who will be able to support you in your time of need. You want an insurance company that will:

  • pay your claim quickly
  • not look to find any way possible to avoid the claim
  • support you, especially as your equipment may be difficult to replace
  • if you have business interruption insurance, help you hire alternative equipment so you can continue your job in the event the equipment you require may take some time to purchase.

An insurance company’s willingness to pay your claim quickly is critical. If your camera is damaged this weekend, you probably need a replacement within a week, if not sooner!

What other insurance should photographers consider?

Employers liability

Employers liability insurance covers the cost of compensation if an employee of your business is injured or becomes ill as a result of the work they undertake for your business. If your business has any employees you are required to hold an employers liability insurance policy by law

Office insurance

This covers your business property, i.e. the contents of your office. Your cameras are your most important assets, but don’t forget to your office equipment especially if you have your own specialist printers, photography equipment and software.