Public Liability Insurance for Photographers

As a freelance photographer, chances are you will interact with clients and members of the public on a regular basis. Perhaps you organise photoshoots or are someone who hosts photography classes. If this is the case, then you should consider taking out public liability insurance. If you are organising indoor or outdoor events you could still encounter a member of the public who accidentally takes a tumble over your tripod. It’s not a situation any photographer wants to face, but with public liability insurance you can be safe in the knowledge that you're covered against these sorts of incidents, should things not quite go according to plan.

Your demands and needs

If you’re planning a photoshoot or exhibition of your work, it is your responsibility to provide a safe environment for attendees. Our photographers public liability insurance provides protection against claims made by members of the public if they are injured during your event. Common types of claims might be a member of the public tripping over your photography equipment; or stepping back to take a picture at a museum and knocking over an artefact on display behind you. Similarly, if the venue in which you are hosting your event is damaged and you are liable, this could again prove costly. Our insurance protects you from incidents such as these, giving you peace of mind and allowing you to focus on your work.

Why choose us?

Expertise

With over 25 years in the business, we know what excellent customer service looks like and we are passionate about helping our customers find the right insurance to meet their needs.  

Efficient service

Your customer satisfaction is our highest priority. Whatever your query, our team is just a phone call or email away. You can also use our simple online enquiry form. 

Excellent claims handling

Our friendly jargon-free claims handling team will ensure that any claims are dealt with swiftly and in an empathetic manner. You will be guided through the claims process and the team will be happy to answer any questions you have.

Reliable policies

Our policies are designed to provide financial protection in the event of a third-party claim and can be purchased over the phone or online in just a matter of minutes.

What does public liability insurance for photographers cover?

Our insurance will cover you for the following:

• Accidental injury to a member of the public

• Accidental death of a member of the public

• Accidental damage to third-party property

• Accidental loss to third-party property

If you are hosting an event or workshop, you may have staff (paid or unpaid) helping out. We offer Employers’ Liability Insurance that will cover you if someone is injured whilst working under your supervision or control. You may also be interested in our Exhibitor and Exhibition Insurance.

FAQs

Should a photographer have public liability insurance?

If you ever deal with clients or members of the public in a professional capacity then you should definitely consider taking out public liability insurance. Even the most amicable of business relationships can be destroyed and escalate into costly legal action as a result of injury or damage so it is vital to protect yourself against any potential claims. Having the right insurance in place gives a more professional impression and offers you peace of mind so you can concentrate on what really matters - your photography.

What are the benefits of public liability insurance?

Public liability insurance has many benefits, including:

• If a claim is made against you, you will have financial protection;

• While it isn’t a legal requirement, larger professional bodies in the public and private sector are likely to favour photographers who have insurance in place;

• You’ll have peace of mind that should an accident occur, you won’t end up out of pocket.

What insurance do I need as a freelance photographer?

As well as public liability insurance, you should also consider the following:

• Employers liability insurance - this will cover you if anyone is injured while working for you. This could include models, assistants or any other staff under your supervision.

• Event cancellation insurance - will protect you from financial loss relating to instances where an event you have planned needs to be postponed or cancelled. 

• Equipment insurance - in case something happens to your camera and accompanying equipment.

• Office and property insurance - covers equipment in your workspace such as fixed IT equipment, backdrops, etc.

How much is public liability insurance for photographers?

The team at Event Insurance Services is committed to finding the right cover for you. If you are looking to cover a one-off event such as a photoshoot, simply fill in this short form to receive a quote. Perhaps you are hosting some photography classes and need to find a  policy for multiple events, in which case, please complete this form. We will then be able to provide a quote based on your requirements.

Alternatively you can contact our expert team who will be delighted to discuss your insurance needs further. You can also reach us by phone on 01425 484860, Mon-Fri 09:00-17:00.