Wedding Photographer Insurance
Flexible insurance for wedding photographers. Build your own cover to suit your needs with Public Liability, Equipment Insurance and more.
Wedding Photographer Insurance
Flexible insurance for wedding photographers. Build your own cover to suit your needs with Public Liability, Equipment Insurance and more.
Flexible insurance cover tailored to wedding photographers
From unpredictable venues to high client expectations, wedding photographer insurance provides cover so you can focus on your work without unforeseen challenges clouding the day.
There are several types of insurance that wedding photographers could consider, each providing peace of mind that you are financially protected should an unforeseen accident happen.
Discover the different types of insurance available to wedding photographers:
Public Liability Insurance
What it covers
Protection against claims made by third parties for injuries or property damage during your professional activities.
Why wedding photographers might need it
Wedding venues are diverse – from beaches to ballrooms, stately homes to converted barns. If a guest trips over your equipment or a venue's property is accidentally damaged during the shoot, this cover means you are not left with an expensive bill.
Professional Indemnity Insurance
What it covers
Protects against claims of negligence, errors, or omissions in your professional services.
Why wedding photographers might need it
Weddings are high-stake events with no retakes. If a couple claims dissatisfaction with the photos or alleges a missed key moment and then disputes the contract you have in place, this cover can protect your reputation and finances.
Employers' Liability Insurance
What it covers
Protection against claims from your employees related to injuries or illnesses sustained while working for you.
Why wedding photographers might need it
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.
Equipment Insurance
What it covers
Protection for your photography gear against theft, damage or loss.
Why wedding photographers might need it
From outdoor ceremonies to energetic receptions, your equipment is exposed to various risks during a wedding. Whether it's a camera knocked over during the dance or a lens damaged in transit, make sure you're ready for the next event.
Why Choose Mode Insurance?
Weddings are unique, and so are the challenges you face as a wedding photographer.
At Mode Insurance, we understand the intricacies and pressures of capturing someone's most cherished day. Our tailored policies provide cover so that the unique challenges of wedding photography are addressed.
With Mode, you're not just getting cover - you're gaining a partner who understands and supports your specialised work.
Insurance to suit you
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.
Be covered for contract disputes
Protect your reputation with Professional Indemnity insurance.
Wedding Photographer Insurance FAQs
Below we have listed the most common questions we get from our customers about insurance for wedding photographers.
What insurance do wedding photographers need?
As a photographer, you could consider Public Liability insurance, Professional Indemnity insurance and photography equipment insurance. This combination provides comprehensive coverage for various risks associated with your profession.
If you have any employees, then it is a legal requirement that your business has Employers’ Liability Insurance.
- To learn more, read our guide: What Insurance Do Photographers Need?
How much does wedding photographer insurance cost?
The cost of wedding photographer insurance varies based on a number of different factors, including how much cover you require, the value of your equipment and the nature of your photography work.
Do wedding photographers need Public Liability insurance?
Although it is not a legal requirement, Public Liability insurance can be very important for wedding photographers. This policy can cover you if someone is injured or their property is damaged while you are photographing a wedding.
Many venues now require outside suppliers like photographers to have a Public Liability insurance policy in place in order to work at the venue.
PLI isn't just about protection in case of accidents, it's also often a requirement for third-party suppliers with venues, other businesses and local authorities often requesting proof, such as your PLI certificate, to confirm you're insured with Public Liability before allowing you onsite.
Can I get short-term Public Liability insurance?
Yes, it is possible to get cover for however long you need it for – even if that’s just for one day. This is useful for photographers who may be attending an event or providing a workshop and only need cover for a short period of time.
- Learn more about Short Term Public Liability Insurance.
How do I work out how much my camera equipment is worth?
To determine the value of your camera equipment, consider how much it would cost to replace the equipment today. Keeping receipts and regularly updating your inventory to reflect any new equipment purchases or upgrades helps to show that you owned that equipment at the point of a claim.
You should always work out the cost of all your equipment, not just how much you are likely to take out any one time. This is because you could have a terrible day where you damage your equipment when you are out and there is a problem at home and that equipment is damaged at the same time.
Whilst this might be unlikely, it does happen!
What isn’t covered by wedding photographers insurance?
Standard photographer's insurance typically does not cover intentional damage, wear and tear or mechanical breakdowns. Specific exclusions depend on the policy, so make sure you are aware of what the policy excludes before you buy.
Check your policy documents to see what activities are excluded from your Public Liability insurance. Many policies will exclude things like extreme sports, winter sports, horse riding, stunts, the use of pyro techniques and certain high-risk locations like offshore sites.
How much Public Liability insurance does a wedding photographer need?
The amount of cover 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. Often you will find that £5 million is a widely accepted amount and can often be found as the industry standard.
Some large venues like sports stadiums, arenas, conference buildings and other large-scale venues may require you to have £10 million to work there.
Do wedding photographers need Professional Indemnity insurance?
It may not be a legal requirement, but wedding photographers could consider the protection and peace of mind that Professional Indemnity insurance can offer. It protects against claims of negligence or failure to deliver a service as promised.
Choose your cover and start your quote now
Public Liability insurance from £84 a year for £1m cover
Or choose your own cover limit of £2m, £3m or £5m.
Up to £50k all-risk technical and portable equipment cover
Covered in the UK & EU as standard or increase cover to worldwide.
Professional Indemnity - be covered for contract disputes
Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.
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.
Employers’ Liability cover for up to 3 PAYE employees
Our Employers’ Liability cover provides £10,000,000 of cover.
