Public Liability Insurance for Photographers

Cover against claims made against you in the event of any accidents you cause that result in property damage or personal injury.

Public Liability Insurance for Photographers

Cover against claims made against you in the event of any accidents you cause that result in property damage or personal injury.

Photography can often take you to diverse settings, such as bustling streets, hectic studios, serene landscapes, private properties and crowded events.

While you're focused on capturing the perfect shot, accidents can and sometimes do happen.

Public Liability insurance provides cover so that you are financially protected against any claims that might be made against you following an accident.

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What is Public Liability Insurance?

Public Liability insurance protects photographers against claims made by third parties for injuries or property damage that might occur during professional activities.

Whether someone trips over your tripod or a valuable artifact is accidentally damaged during a shoot, this cover means you are not left bearing the financial burden.

Why Photographers Might Need Public Liability Insurance

While Public Liability insurance isn’t a legal requirement, photographers should consider protection against certain risks associated with their work.

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Equipment exposure

Your photography equipment isn't just at risk of theft or damage; it can also pose risks to others. If someone gets injured or property gets damaged due to your equipment, you could be held liable.

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Protect your reputation

Legal claims can tarnish your professional reputation. With the right coverage, you can address claims promptly and professionally, safeguarding your image in the industry.

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Changing work environments

From outdoor shoots to private studios, the varied environments photographers work in come with unique risks. Public Liability insurance provides cover so you're prepared for them all.

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Financial security and peace of mind

Legal claims can be expensive. Beyond just compensation, there are legal fees to consider. Public Liability insurance means such costs don't disrupt your business or personal finances.

Why Choose Mode Insurance?

At Mode Insurance, we understand the unique challenges and risks faced by professional photographers.

Our tailored policies provide cover so that the unique challenges and nuances of your profession are addressed. With us, you're not just getting coverage; you're gaining a partner who's committed to supporting your career and ensuring you can work with peace of mind.

Insurance to suit you

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Up to £50k equipment cover

Insure the tools of your trade, as well as hired-in equipment.

Project-by-project Public Liability insurance

Get PLI for £84 a year or choose a shorter term to suit you.

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Be covered for contract disputes

Protect your reputation with Professional Indemnity insurance.

What Other Insurance Should Photographers Consider?

As well as Public Liability insurance, freelance and self-employed photographers might also need:

Equipment Insurance

Protect all of your photography kit against accidental damage, loss or theft.

We provide up to £50k of technical/portable equipment cover, so if anything happened to your essential equipment you can quickly get it repaired or replaced with minimum downtime to your business.

At Mode Insurance your equipment could be covered for £5,000 anywhere in the UK and EU*.

Professional Indemnity Insurance

Professional Indemnity insurance can protect photographers against claims of negligence, errors or omissions in the services they provide.

Whether a client alleges that a missed deadline affected their event, or claims dissatisfaction with the delivered photos, Professional Indemnity insurance can help protect you from potential financial and reputational setbacks.

Employers’ Liability Insurance

If you employ anyone then you are legally required to have at least £5m of Employers’ Liability cover in place, but most insurers will provide £10m as standard.

This can protect against claims from employees related to injuries or illnesses sustained while working for you.

Choose your cover and start your quote now

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Public Liability insurance from £84 a year for £1m cover

Or choose your own cover limit of £2m, £3m or £5m.

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Up to £50k all-risk technical and portable equipment cover

Covered in the UK & EU as standard or increase cover to worldwide.

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Professional Indemnity - be covered for contract disputes

Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.

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Up to £50k cover for equipment that doesn’t leave your property

Protect the contents of your business and other technical equipment that doesn’t leave your property.

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Employers’ Liability cover for up to 3 PAYE employees

Our Employers’ Liability cover provides £10,000,000 of cover.

Public Liability Insurance for Photographers FAQs

Below we have listed the most common questions we get from self-employed creatives about photographers’ Public Liability insurance. For more information, read our guide: What Insurance Do Photographers Need?

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Do photographers need Public Liability insurance?

Whether you need Public Liability insurance depends on the nature of your photography business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.

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How much Public Liability insurance cover does a photographer need?

The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.

You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.

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How to get Public Liability insurance?

With Mode Insurance you can get a quote and buy your cover online in a matter of minutes. Start your quote now.

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Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it is often recommended due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

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Is Public Liability insurance tax deductible?

Yes, Public Liability insurance is typically tax deductible as a business expense. This means the cost can be offset against your business's taxable profits.

It is important to remember that most insurance policies are not subject to VAT as Insurance Premium Tax (IPT) is applied.

We recommend speaking to your accountant about this if you have more questions.

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Does Public Liability insurance cover damage to a client's property?

Yes, Public Liability insurance typically covers accidental damage to a client's property caused by your business activities, offering financial protection against such claims.

Some exclusions do apply so we always recommend you check your policy documents for more information.

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What is the difference between Public Liability and Professional Indemnity insurance?

Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.

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Can I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

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Can you get Public Liability insurance for a month?

Yes, it is possible to get Public Liability insurance for one month if that is all you need cover for. However, at this length of time it’s also worth checking to see if it is more cost-effective to purchase a yearly policy – especially if you think you may need several temporary policies over the course of a year.

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What is the minimum Public Liability insurance in the UK?

In the UK there is no legally mandated minimum level for Public Liability insurance. Depending on where you work and if someone is asking for you to have insurance in place, £5,000,000 is usually a widely accepted amount.

Some large venues like sports stadiums, arenas, conference buildings and other large-scale venues may require you to have £10,000,000 of cover in place.

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What happens if I don't have Public Liability insurance?

Without Public Liability insurance, you could be financially responsible for any claims made against you for injuries or damages caused during your event or business activities.

A claim could be brought against you for compensation and the costs and expenses someone has incurred. This can lead to significant financial strain, especially if the claims are substantial.

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Is Public Liability insurance mandatory for events in the UK?

While not legally mandatory, many venues and organisations may require you to have public liability insurance to attend and work at the event, as it can protect against claims for injuries or damages occurring on the premises.

* ‘EU’ means anywhere within any member country of the European Union or within Iceland, Liechtenstein, Norway or Switzerland