What insurance do I need as a wedding photographer?

Short answer

As a wedding photographer, you need public liability insurance and professional indemnity insurance. Public liability covers injury or damage to others, and professional indemnity covers claims that your work was not up to standard. Equipment cover is also strongly recommended.

Public liability insurance is the most important cover for a wedding photographer. It protects you if a guest trips over your camera bag or you knock over a display and damage the venue. Most venues will ask to see proof of this before you are allowed to work. Professional indemnity insurance covers you if a couple claims you missed key moments, delivered poor images or breached your contract. This is not legally required, but it gives you peace of mind.

Equipment insurance is worth having because cameras, lenses and lighting are expensive to replace. Check whether your policy covers accidental damage, theft and loss, and whether it applies when you are travelling to and from weddings. You may also want cover for public liability in case you injure someone while setting up equipment.

If you are employed by a studio, their insurance may cover you. If you are self-employed, you need your own policy. Some insurers offer combined packages for photographers. Always read the policy details to see what is excluded, such as drone use or working abroad. If you are unsure, ask your insurer or check with a professional photography association for guidance.