Photographers & videographers insurance
less admin, more time behind the lens.
Our online quotation system, lets photographers, videographers and drone operators obtain a quotation quickly and bind cover instantly through a number of online payment options, whenever it suits you. You might be a freelancer, you may run your own business, it doesn’t matter to us. We have created a system that is clean, intuitive, and available 24/7. Just so your focus remains on your enterprise.
Quote online in minutes: click, quote, bind.
So are you a professional looking for photographers’ insurance?
You have come to the right place. Who do we cover?
- Wedding & Event photographers:
Capturing weddings, engagements, private parties, and corporate events - Commercial & Product photographers:
High-quality imagery for brands, products, eCommerce, packaging, and promotional campaigns. Includes styled studio shoots and on-location lifestyle photography throughout the UK and overseas. - Architectural & Real Estate photography:
Interior and exterior photography for homes, offices, hotels, and other properties, including interior design projects. Often enhanced with drone imagery to showcase scale and surroundings. - Portrait & Lifestyle photography:
Professional portraits, headshots, family sessions, or creative lifestyle imagery for personal branding, social media, and editorial use. - Fashion & Editorial:
Studio and location photography for fashion campaigns, magazines, lookbooks, and creative editorial projects. - Aerial & Drone Photography:
Aerial landscapes, property overviews, tourism imagery, and events coverage — adding unique perspectives and cinematic visuals. - Travel & Landscape:
Capturing destinations, scenery, and cultural experiences for tourism boards, travel publications, personal commissions, gallery and private sales. - Sports & Action:
Action and sports photography, including outdoor adventures, extreme sports, and events, often combined with drone footage for dynamic angles. - Fine Art & Creative Projects:
Artistic or conceptual photography for galleries, exhibitions, or personal projects, blending technical skill with creative vision. - Baby, Toddler and Family portraiture photography:
Professional portraits of baby, toddlers or family photographs including School photography. Inside or outside locations may be used. - Photography Guides and workshops:
Professional photographers who engage in online and on site guiding and tuition and arrange workshops in the UK or Overseas. - Videographers:
You might combine your photography with short video work or you might be a full time videographer here in the UK or overseas.
Whoever you are, h2a creatives captures your activities and ensure we have you covered.
H2A Creatives core cover for photographers, videographers or drone operators includes:
- Creative and Business equipment:
Including laptops, drones, photographic and recording equipment, and associated equipment. - Personal Belongings:
Your own personal effects. - Public Liability:
Anyone can make a claim against you if, during the course of your business activities if someone feels they or their property has been injured or damaged. - Professional Indemnity:
Sometimes mistakes happen which might result in your client incurring a financial loss. It could be that you breach your contract, or not meeting a strict deadline. Professional Indemnity will provide you with legal defence costs and a settlement should the client win their action against you.
At h2a creatives we think this is the basic amount of cover you should have to protect your yourself and your business and that is why our core policy quote includes these sections of cover.
If you disagree and wish to de-select the PI or Equipment you can do just this through the quotation stage.
Not all businesses are the same however so we have some additional covers that you may need now or in the future. Worried that you are unsure whether you need them? Drop us a note through the online chat below and we will be happy to discuss your concerns with you.
- General Contents: If you have an office or studio you may have general contents that you would like to be insured whilst in the office – these are the items that do not travel with you on business.
- Personal Accident, injured whilst working: We will pay a fixed benefit depending on your injury and also an amount towards potential loss of income.
- Business Interruption: If your business is interrupted following a material damage loss we will cover your potential increased cost of working.
- Travel: Your projects take you overseas? Or you may run workshops abroad. No worries, we will extent your equipment abroad together with the benefits of Travel insurance.
- Employers Liability: If you have employees or volunteers maybe working with you on a project we will ensure that your liability to your employees is covered.
- Directors and Officers: Worried about your role as a Director? We will ensure that your legal liability in your role is protected.
Frequently asked questions:
It depends on what type of photography you do and whether this includes working with third parties or photographing on third party property. If all of your work is in your own studio and you never have members of the public in your studio then no.
The majority of photographers or videographers however associate with third parties and or members of the public and for this reason we would advise that you do have public liability insurance.
Your camera equipment need to be insured whilst in the studio and out on shoots and it is advisable to have insurance where it enables you to take this equipment overseas. This prevents you having to set up one off insurance whilst you are out of the UK.
Without your equipment; your tools of trade you are unable to work so seek an Insurer who replaces new for old and has a speedy claims process. In addition, you should purchase public liability, definitely. This is because in the majority of circumstances your work will involve third parties or working on third party premises, or people visiting you if you have your own studio. For this reason we would advise that you insure your legal liability to these people. We would then also advise personal accident cover.
It is so common that self employed freelancers and business owners do not think about what would happen if an accident prevented them from working for a short time. For creatives, this is an important consideration. Purchase cover therefore where there is a personal accident benefit that can help you bridge some of the gap in a loss of income.
Then, are you using volunteers to help on a shoot maybe? Or do you have full time or part time employees? If you do it is mandatory through UK law that you carry employers liability insurance; this is the one type of insurance it is illegal to avoid.
Aside of these covers you may have a studio so assets within your studio will require cover.
We may need to consider your Loss of Earnings if the studio is subject to claim and then we can also consider Travel cover if you are working overseas.
Finally, there are considerations for financial loss covers and for this, if you have a limited company you may like to consider Directors & Officers insurance and Professional Indemnity if you are advising as part of your contract with your client.
There is a lot to consider here. H2A Creatives & Media are always available if you wish to discuss this at all.
Yes as long as you tell us which territories you will be working your photography insurance is able to extend to your work overseas.
This depends greatly on the value of your equipment and what activities you will be involved in however our policies start at as little as £xxx.
Of course! We will cover you whatever stage of the journey you are, from start- ups to established businesses H2A Creatives & Media are here to provide protection.
