As a professional photographer working in London — whether you’re shooting weddings, commercial campaigns, property portfolios, events or editorial work — you’re exposed to a range of financial, equipment, liability and professional risks. From accidentally damaging a client’s property during a shoot, to equipment theft, data loss or a client alleging inadequate delivery, the stakes are real.
At Fraser Bond, we help photographers understand how appropriate insurance fits into your business model, protects your equipment and aligns with booking contracts, venue requirements and client expectations.
Photography business insurance is a tailored package of covers designed to protect the varied risk profile of professional photographers. Typical elements include:
Public Liability Insurance – covers claims from third-parties (clients, venue guests or the public) if injury or property damage occurs because of your business activities.
Professional Indemnity Insurance (Errors & Omissions) – covers claims arising from faults or omissions in your professional services: e.g., missed shots, data corruption, copyright issues, breach of contract.
Equipment / Kit Insurance – protects your cameras, lenses, lights, computers — against theft, accidental damage, flood and transit loss.
Employers’ Liability Insurance – required if you employ anyone (assistants, editors) in your photography business.
Business Interruption / Income Protection – optional cover for lost earnings if you are unable to shoot due to insured events (equipment breakdown, injury).
Legal Expenses Cover – optional, including contract disputes, copyright defence, data protection claims.
Operating in London adds specific pressures and exposures:
You may work in high-value venues, commercial shoots, property settings where damage or liability stakes are higher.
Equipment value tends to be significant — high-end cameras, drones, lighting, accessories — theft or damage has large cost.
Venues and clients often require proof of insurance (especially high-profile or corporate bookings) to allow you to shoot onsite.
Mobility, international work, travelling to events, working in unfamiliar spaces all increase risk of loss or damage.
Therefore, having tailored photography insurance gives you credibility, protects your business continuity and ensures you can contract with confidence.
Here are some benchmarks and factors when selecting your policy:
Many providers show monthly premiums for basic public liability & kit cover starting from as low as ~£5-£10/month for small operations.
Equipment cover often requires you to declare the sum insured depending on the value of your kit.
Professional indemnity and public liability limits should reflect your contract size, client exposure and venue requirements (limits of £1 m, £2 m or more are common).
Premiums are driven by: business turnover, number of employees, types of shoots (weddings vs high-risk shoots), value and mobility of kit, whether you work overseas, claims history.
Key policy features to check: whether equipment cover is “new for old”, whether theft from vehicle is included, whether mobile/field work is covered, whether data-loss is included.
Here is a step-by-step approach aligned with Fraser Bond recommendations:
Define your service offering and risk profile – Are you freelance, wedding/event, commercial, property-linked photography? The risk differs.
Check client and venue requirements – Many London venues will insist on a minimum level of public liability or professional indemnity insurance.
Ensure your equipment valuation is accurate – List all kit, travel gear, mobile equipment and declare sums insured.
Select the correct cover types and limits – Ensure you have public liability, equipment cover, possibly PI and legal expenses.
Assess policy wording and exclusions – For example, is theft from unattended vehicle covered? Is mobile outdoor work included? Is overseas work covered?
Compare providers – Platforms show quotes start low (e.g., just £72/year for basic cover) but make sure cover scope is sufficient.
Review annually – As your business grows, kit value increases, or you expand internationally, your cover should evolve.
Document proof of insurance – Keep your certificate handy for clients, venues, contracts.
Although Fraser Bond is primarily known for property-sales, lettings, investment and advisory, we also assist service professionals and contractors connected to the property and creative sectors. We provide:
Advice on how your insurance connects with property/venue risk, contract obligations, asset exposure.
Review of insurance policy documents to ensure full relevance to your photography business.
Guidance on credibility and contract readiness (proof of cover, minimum limits).
Strategic insight into how insurance supports business growth and risk mitigation in London’s competitive creative market.
Whether you’re a wedding photographer, commercial photographer, or event / property photographer working in London or internationally, ensure your business is properly protected — your equipment, reputation and liability.
Visit FraserBond.com or contact our London advisory team for tailored guidance on photographers insurance, quote comparison and risk-adapted cover.
