A content creator sets up a camera on a tripod in a home kitchen studio, preparing to film in a well-lit, rustic setting.A content creator sets up a camera on a tripod in a home kitchen studio, preparing to film in a well-lit, rustic setting.A content creator sets up a camera on a tripod in a home kitchen studio, preparing to film in a well-lit, rustic setting.

Photographers’ insurance

We help safeguard your livelihood.

  • Fast claims payments
  • No hidden fees
  • Prices from £6.07 a month*
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What is Photographers’ insurance?

Whether you're capturing weddings, portraits, or once-in-a-lifetime moments, our Photographers' insurance works as hard as you do. 



At Admiral Business, we protect you from risks like damaged equipment, accidental injuries, or negligence claims.



Using our wealth of experience, we’ve created cover that’s easy to tailor to your needs and safeguards your business against unforeseen costly setbacks.

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Public Liability
Insurance

Protects against claims from third parties for injury or property damage

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Professional Indemnity Insurance

Protects against claims of negligence, mistakes, or bad advice in your work.

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Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

Get a quote
Icon of a document with award stars over it.
Public Liability
Insurance

Protects against claims from third parties for injury or property damage

Get a quote
Icon of a shield
Professional Indemnity Insurance

Protects against claims of negligence, mistakes, or bad advice in your work.

Get a quote
Icon of a toolbox with a wrench, hammer, and screwdriver.
Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

Get a quote
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Why Do Photographers Need Insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Managing Risks in Creative Work
Photography may not seem high-risk, but whether you’re shooting on location, in a studio, or at events, things can go wrong. Without insurance, photographers risk:

  • Accidental damage to expensive camera gear, lighting, or props.

  • Injury to clients or the public during a shoot.

  • Loss of photos or data leading to client disputes or legal action.

Protecting Your Business and Reputation
A single mistake, like lost files, a trip hazard, or broken kit, could cost you thousands in compensation or replacement costs. Photographers' insurance helps cover these expenses, so you can keep focusing on your craft without financial stress.

How Much Does Photographers’ Insurance Cost?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Photographers’ insurance starts at £6.07* per month, but the final price will depend on:

  • The type of photography you do (e.g., weddings, commercial, events, studio).

  • Whether you work alone or have assistants or a team.

  • Your claims history and the level of cover you need.

You can tailor your cover to include public liability, tools & materials cover, professional indemnity, and more depending on how you work.

What are the Legal Requirements for Photographers?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Employers’ Liability Insurance – A Legal Obligation
If you employ anyone – even part-time or freelance assistants – you’re legally required to hold employers’ liability insurance. It covers claims for work-related injuries or illness.

Client Requirements and Contracts
Many venues, agencies, and corporate clients will require you to have public liability insurance before hiring you. It shows professionalism and ensures you're covered if someone is injured or property is damaged during a shoot.

Do Freelance or Self-Employed Photographers Need Insurance?
It’s not a legal requirement – but public liability and professional indemnity insurance are strongly advised. They help protect you from claims of injury, property damage, or disputes over your work.

A female photographer sat at a desk holding a camera and looking through the images smiling.A female photographer sat at a desk holding a camera and looking through the images smiling.A female photographer sat at a desk holding a camera and looking through the images smiling.

Insurance built around the needs of the UK’s small businesses

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Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Photographers' insurance FAQs

*£6.07 is the price for a Public Liability policy for a single photographer with £1,000,000 worth of cover. It is the equivalent of £72.80 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 28th April 2025.