Photographers Public Liability Insurance

As a photography professional you working in a subjective industry where opinions and tastes matter more than hard data and statistics. This can mean that a client might be unhappy with your work, even if your photos meet the brief and look great from someone else’s point of view.

You can also be subject to a claim from an accidental occurrence, such as a copyright breach e.g.: capturing a copyrighted image in the background of one of your commercial photographs.

A couple of examples could include:

Alleged negligence

A good example of professional negligence could be that you are a wedding photographer and the images you take of your clients’ special day are lost because the SD card you saved them to has corrupted. Those special moments in time cannot be captured again. As such, your client takes legal action against you to recover their costs and associated damages.

Another example could be that you have incorrectly scheduled a photoshoot in your diary and end up missing a date, or you could simply forget to pack some key equipment that you need for a photographic assignment, both resulting in the photoshoot needing to be rescheduled. Your client sues you for wasted time and resources.

Professional Indemnity insurance would respond to provide cover you in these instances.

You are alleged to be responsible for causing an accident

A client visits your studio for some portrait photographs. While they are on your premises they have an accident and take action against you for damages and any lost income of they are unable to work as a result of their injury. Public Liability insurance would respond to cover you for this instance.

With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes. Professional indemnity insurance can start from as little as £98.00 per annum.

An example quote: a portrait photographer with an annual turnover of up to £50,000 per annum, with a £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. That’s only £16.00 a month, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 19.11.2021). Because you are dealing with members of the public you will also be required to carry Public Liability insurance, which can be purchased via our online quote and buy system from as little as £112.00 per year.

Apart from Professional Indemnity insurance photographers and videographers will typically be required to carry Public Liability insurance, especially if they work from office premises, such as a photographic studio, and meet members of the public face-to-face.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance, which is provided as part of our Business Combined Liabilities insurance product.

Our Tax Enquiry and Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation, the costs incurred if you have a landlord/tenant dispute, or even the costs incurred if you are required to attend jury service.