Photography Insurance

Photography insurance may not be a legal requirement, unless you have employees and require statutory cover such as employers' liability.

You may also be required by your clients or other businesses to have other covers in place to meet your contractual obligations. This could range from public liability insurance, professional indemnity insurance or hired-in equipment insurance.

Although insurance for cameras and equipment you own isn’t mandatory it is best to consider having this as the cost of replacing equipment alone can be hugely expensive. Photography insurance can help to protect you in this instance. It will also give you greater peace of mind when using your equipment in the UK or abroad to get you up and running again as quickly as possible.

We replace your items on a new for old basis so; in the unfortunate event of a total loss you get the latest equivalent model as a replacement. By checking how much an equivalent replacement costs in the market today, you will get a good idea of the value you should insure your own equipment for. Don’t forget, if you are VAT-registered you can deduct this element from your total value.

We have a variety of covers available to suit your travel arrangements, from UK cover, to UK and Europe cover, to worldwide. Our standard cover is UK and 45 days worldwide; you do not need to notify us when you go abroad unless you exceed 45 days in any one policy year. If worldwide cover is selected, travel cover is unlimited; however, a maximum trip limit of 90 days in any one trip is applicable.

If you have any queries in respect of cover abroad, please contact us.

Everyone is different so this depends on what your requirements are: whether you earn a living from your photography or do it just for fun.

You will want to insure your equipment for the full replacement cost on a ‘new for old’ basis. We can provide quotes for equipment from a few hundred pounds to full productions where kit prices can be more than £100,000. We are also able to offer a variety of public liability limits including £2 million, £5 million and £10 million.

We can provide £10 million of employer's liability cover. This cover is a legal requirement if you have employees. If you are unsure which level of cover would suit you best it is worth speaking with one of our specialist advisors.

The answer is no provided you have receipts and invoices for your camera equipment in the event of a claim. If you are concerned that you may not have these then please supply an equipment list, and this can be good business practice to make sure that your sum insured is always adequate.

Yes, full cover is extended to equipment within the hold of an aircraft subject to the equipment being in a locked Peli Case or similar protective casing.

Yes, we have Towergate Insurance (Camerasure) policies that provide cover for 'open theft' and this would include opportunist. This means we do not require signs of forcible or violent, entry or exit for the theft cover to be in force.

There are a number of factors you will need to consider when it comes to choosing the right level of photography insurance cover for you.

It is important to consider the nature of your work when choosing your photography insurance policy. As a professional photographer, you are likely to need cover for business interruption and potentially employers' liability, as well as cover for any damage to your work.

If you are not full-time in the industry but still engage in some paid photography work then public liability and professional indemnity could be crucial. As an amateur photographer, you may simply want to ensure that your equipment is covered. It is important that you take into consideration the nature and value of your work.

Yes, Towergate Insurance (Camerasure) photography insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.

Yes, we have teamed up with a leading Lloyds aviation insurer to offer you a specialist aviation cover and claims service for commercial users of drones. We can provide expert liability and hull protection backed up by a team of aviation claims specialists. They have access to lawyers who are experienced in working with some of the largest global aviation operators and the complex liability issues that can arise.

If you would prefer to spread the cost of your photography insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.