Photography Insurance
Protect your cameras, equipment, images and liabilityWhether you’re photographing the wilderness or capturing a festival crowd, you need the reassurance of knowing that your equipment and images are protected. That’s where Photography Insurance comes in.
Policies can be tailored to your unique needs, so if you’re a keen amateur or a professional carrying out commissioned work, you can get the Photography Insurance that is right for you. We also provide Photography Insurance for other image workers, such as videographers, photo journalists and processing labs, and offer a Business Liability package for those operating as a business.
Key benefits of choosing CKI
- Cover for professionals, amateurs and businesses
- Premises-only, UK, Europe or worldwide cover
- No restrictions on the maximum amount of cover for individual items
- Cover for items left in unattended vehicles
- Financial protection against the loss of photos
- Quick and efficient claims assistance
- Ongoing support throughout your time with us
I started using Chris Knott Insurance a couple of years ago for my Camera and Photography Insurance. The staff are extremely helpful and their customer service very efficient. Recently I part exchanged all my camera equipment for equipment from another manufacturer. I sent an email setting out all the changes and received updated documentation and a refund within a couple of hours. Absolutely first class.
Alan Moss
Photography Insurance FAQs
What is Photography Insurance?
Photography Insurance is a specialised form of cover designed for both amateur and professional photographers, videographers and processing labs.
Photographers are usually carrying and using very expensive camera equipment, and it is likely that you will also be taking it to unusual or busy locations to capture the perfect shot. This means that damage, theft or loss could leave you with a large hole in your pocket.
Professionals and businesses have even more at stake if something goes wrong, as well as the additional risks of liability. We therefore tailor our Photography Insurance to suit your unique needs, but it could cover:
- Processing, printing, scanning, photographic or other business equipment, with no maximum limit for individual items
- Buildings, shop fronts, fixtures and fittings
- Equipment left unattended in vehicles
- Hiring alternative equipment if yours is being repaired or replaced after damage
- Business Liability, including Public Liability Insurance for photographers, Employers’ Liability Insurance and Professional Indemnity Insurance
- Props, customers’ property and any equipment you hire
If you are a professional, we can also arrange additional Photography Insurance cover to protect you against the loss of gross profits or additional costs if your equipment is lost or damaged. To discuss insurance for cameras or general Photography Insurance, get in touch with our experienced team today.
Who is Photography Insurance for?
At Chris Knott, we offer Photography Insurance UK. This means that it is aimed at residents of the UK and Northern Ireland.
Photography Insurance is designed for all kinds of amateur or professional image producers, from photographers, videographers and photojournalists to processing labs. For this reason, Photography Insurance can be tailored to suit each individual or business, providing essential financial protection for equipment and business activity.
How much Camera Insurance can I get?
When it comes to insurance for cameras, this really depends on what you need!
At Chris Knott, there is no maximum limit for the amount of Camera Insurance UK cover you can get for individual pieces of equipment. We can also organise cover for labs of all sizes, buildings and shop fronts. Our Business Liability package is also available for businesses, which offers cover such as Photography Public Liability, Employers’ Liability and Professional Indemnity for photographers.
What are common Photography Insurance UK claims?
Accidents can and will happen, so it is perhaps not surprising to find that accidental damage to equipment is one of the most common claims.
It is for this reason that you should always make sure that your equipment is well protected. If something were to happen, it would be good to know that you had Photography or Camera Insurance UK in place.
Do I need Photography Public Liability Insurance?
If you are hosting a photoshoot and a third party, such as a model, is injured while on set, then Photography Public Liability Insurance will financially protect you against any claims.
It can also protect you if you, or one of your employees, damages any property. For instance, if you spill a drink over the carpet of the room you are shooting in, it will provide you with cover to pay for the carpet to be cleaned or replaced.
This insurance can also come in handy if you run a processing lab. If a visitor slips on a wet floor and injures themselves, they could make a claim against you.
For these reasons, if you are a professional photographer or run a photography business, having Photography Public Liability Insurance in place can give you valuable peace of mind.
Can I get Photographer Event Insurance?
Absolutely! Our insurance includes annual cover for all photography activities (subject to top policy wording and exclusions, such as working at height). This means that if you host a photoshoot, you can be sure that accidents, injuries and mishaps are covered.
Is drone photography included?
No, it isn’t.
If you need to cover drone photography, we recommend that you talk to a specialist insurer. This is because claims of negligence relating to remote-controlled devices can be very complicated and high-risk.
Does Photography Insurance include travel?
Yes, our Photography Insurance can include worldwide cover for your equipment. However, we won’t be able to provide insurance for cameras or other equipment if you’re travelling to the USA or Canada.
Photography Insurance will also not be valid if you travel to a country that the Foreign & Commonwealth Office (FCO) advises you against travelling to.
How much does Photography Insurance cost?
The minimum premium of Photography Insurance UK sits at around £233*.
However, the actual cost of your Photography Insurance will depend on several factors. These include:
- Whether you are operating as an individual or business
- The type and level of cover you need
- The size and location of your business, if applicable
- The value of your equipment
- The number of employees you have, if applicable
- If you are hiring equipment, sets or props
To get an accurate quote for your Photography Insurance, get in touch with our experienced team here at Chris Knott Insurance.
*Minimum premium valid as of 22/09/23.
Contact Chris Knott Insurance for a Photography Insurance quote today on
01424 205012
