PROFESSIONAL
PHOTOGRAPHERS
INSURANCE
Policy Summary
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Policy Portfolio Photographer Insurance
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Business Insurance in a flash…
Your business deserves the right protection and expert guidance. With “Policy Portfolio”, we’ve created a specialist photographers insurance package designed to meet the unique needs of professional photographers across the UK.
With over 30 years of experience in the photography industry, we understand the risks you face and provide tailored cover with a focus on exceptional service and competitive pricing—without compromising on protection.
Why choose Morgan Richardson for Photographer Insurance?
- Get a free quote in minutes and see what you could save today.
- Comprehensive cover with a wide range of benefits.
- Essential business support with access to 24-hour claims and legal advice helplines.
Policy Portfolio: Photographer Insurance at a Glance
Photographic Equipment & Business Contents
We protect your cameras, equipment, and stock against various risks including accidental damage and full theft (including distraction and unforced entry). Coverage extends beyond your premises, with worldwide cover for photographic equipment including losses from unattended vehicles during your working day.
Business Interruption – Increased Cost of Working
If your equipment or premises are damaged by an insured event, we cover the cost of hiring replacement equipment or studio space so you can fulfil contracts and keep your business running.
Employers’ Liability
If you employ staff, Employers’ Liability insurance is legally required. This cover helps meet compensation costs if an employee is injured while working for you.
Public & Products Liability
Accidents happen. If someone is injured or their property is damaged due to your business activities, this insurance covers legal defence and compensation costs if you’re found to be at fault.
Professional Indemnity
Mistakes can happen during shoots or contracts. Professional Indemnity insurance protects you against claims for financial loss due to errors, omissions, or negligence.
Legal Expenses Insurance
Stay safeguarded against legal actions, including employment disputes, tax investigations, and more. In addition, access a 24-hour legal advice helpline to stay compliant with ever-changing employment laws.
Key Benefits of Policy Portfolio Photographers Insurance:
- 24/7 Legal Advice Helpline
- 24-Hour Claims Line, available every day of the year
- Flexible Monthly Payment Plans
- 14-Day Money-Back Guarantee for your peace of mind
Protect Your Business Today!
With Policy Portfolio Photographers Insurance, you can focus on running your business without worry. Contact us now for a free quote and let us provide you with coverage focused on your requirements.
Photographers Insurance FAQ's
The cost of photographers insurance will vary depending on the level of coverage you need and the services you provide. Prices start from as little as £180 per year for a comprehensive package. You can also spread the cost of your insurance across the year with our monthly payment option.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you do not have this to hand or are a new business, don’t worry – our dedicated team will be able to guide you through the quotation.
Quotations usually take 5-10 minutes to complete with a price available immediately in most cases, if not the same day.
All contents and photographic equipment should be insured for their replacement value as new. We recommend you take an inventory of all your contents.
Buildings should be insured for the cost of rebuilding, not for their market value. A sum should also be added for architects’ fees, debris removal, and the cost of meeting any local authority requirements. We recommend you undertake a formal valuation with a qualified surveyor.
For more details on an affordable desktop survey solution to avoid insuring incorrectly, and in particular under insuring see HERE.
As soon as the policy is incepted, your policy and all documents will be sent out to you the same day where possible.
Contact us on free call 0800 731 2940 to speak to a member of our experienced quote team.