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Public Liability insurance

Protect your photography business with Public Liability insurance.

Photography and videography are professions that have a lot of interaction with clients, customers and members of the public. This means that there are many risks, and if things go wrong, it could lead to expensive compensation claims. Even if you’re a semi-professional portrait photographer, an incident could occur with a member of the public which, if you don’t have the right cover in place, could leave you with a costly claim to deal with.

What is Public Liability insurance?

In simple terms, Public Liability insurance provides cover for any incidents that may occur causing injury to people or cause damage to third party property, as a result of your photography or videography.

What does Public Liability insurance cover?

Public Liability insurance will cover your costs, expenses and legal liabilities if you are deemed liable to pay compensation for any accidental injury, or damage to property, caused by you as a photographer or videographer. For example, if were taking photographs with a heavy camera on a tripod, which tipped over injuring someone, you could be liable to pay the cost of the claim (for injuries and compensation), which could be very expensive. 

How much Public Liability insurance do I need?

The amount of cover you need really does depend on your status as a photographer or videographer and whether or not you shoot in any professional capacity. If you are a semi-professional or professional, you might be asked for proof of Public Liability insurance (by a customer or event venue you are working at), up to a certain amount, £5m for example. If you are a non-professional, you may still wish to consider an amount of Public Liability insurance for your own peace of mind. We offer a choice of cover from £1m, £2m, £5, or £10m.

Can I just buy Public Liability cover on its own?

You certainly can! Our Public Liability cover begins from just £41.21 a year and our quick-buy process will whizz you through the quote process in a matter of clicks, so you can buy cover in no time at all. We’ll email your documents to you, so you’ll be good to go as soon as you’ve checked out.

Any questions?

If you have any queries about our cover, please check our Important Documents page or the FAQs.

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