Photography Insurance

At Chris Knott, we offer Photography Insurance for residents and businesses based in 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.

Absolutely! We don’t just offer insurance for photographers. If you run a photography studio or even a processing lab, you’ll need insurance to cover the risks you face. That’s why we can arrange policies that include Employers’ Liability Insurance to protect you against employee claims of illness or injury during the course of their work. We also offer Public Liability Insurance to protect against similar claims from members of the public. That’s in addition to property insurance and Camera Equipment Insurance.

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 you can get. 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.

Obviously, we’d recommend working with a broker like Chris Knott Insurance. We’ll work with you to identify the specific risks you face and tailor a policy to your needs, so you’re not over or underinsured. 

Give us a call on 01424 205012 today to arrange a Photography Insurance quote.

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 is good to know that you had Photography or Camera Insurance UK in place.

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.

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.

It is. We can arrange insurance for videographers as well as photographers based in the UK and Northern Ireland. Again, it can be tailored to your needs, covering Public Liability for videographers and Employers’ Liability, as well as any commercial property and camera equipment.

No, it isn’t.

If you need Commercial Drone Insurance, we recommend speaking to a specialist insurer. This is because claims of negligence relating to remote-controlled devices can be very complicated and high-risk.

Yes, our Photography Insurance can include worldwide cover for your equipment.

Photography Insurance will also not be valid if you travel to a country that the Foreign & Commonwealth Office (FCO) advises you against travelling to.

The minimum premium 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, contact our experienced team here at Chris Knott Insurance.

*Minimum premium valid as of 22/09/23.