Photography Insurance

Expert insurance choice for multimedia businesses, professional photographers and enthusiasts.

  • Specialist aviation cover and claims service for commercial use of drones
  • Fast and efficient claims service so nothing gets in your way
  • Up to 90 days EU and worldwide cover as standard

Start your photography insurance quote online

Get a Quote

Call the photography team for a quote or to ask a question

01489 770340
0344 892 1636

Weekdays 9am - 5.30pm
Can’t get through right now? Request a callback

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What does photography insurance cover?

Professional photographer insurance

Start by insuring your photography equipment then add specific cover from the range of options listed below to build a policy fit for you. Due to the bespoke nature of this policy, it can be built to suit the exact insurance requirements of your business. You’ll have the option to add further cover as you go.

Cover for unexplained theft of photography equipment

We provide comprehensive cover for unexplained theft of photography equipment. This includes theft of your camera and other equipment from unattended vehicles.

Cover for commercial drones

We offer a specialist aviation insurance and claims service for commercial use of drones, covering multiple drones and unlimited pilots, and meeting EU regulations. Our commercial drones insurance makes no exclusions / distinctions between hazardous and non-hazardous locations.

Fully comprehensive photography insurance

Our fully comprehensive photography cover can be tailored to your needs depending on individual circumstances and working patterns, including for freelancers. Hired in-equipment option can also be added to your photography insurance policy, and there is no charge to update your address.

Compare our two levels of cover
  Semi-Pro Pro
All risks cover for photographic and computer equipment
New for old
Theft from an unattended vehicle
45 days worldwide cover
Public liability available
Employers’ liability
Portfolio and stock cover available  
Transparencies, prints and negatives  
Business interruption  
Mobile phone cover and buildings cover  
Damage resulting in reshoot costs (limited to £20,000)  
Reinstatement of data (limited to £2,500)  

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Photography Insurance Claims

Our claims are handled by one of our specialist multimedia insurance team, not another company. The team’s combined knowledge of photography equipment and the multimedia industry mean that with us, you’re in safe hands.

If something happens and you are unsure if a claim might arise, please don’t hesitate to get in contact anyway. We’re here to help and can discuss the circumstances without prejudicing your policy. Our aim is either to put your mind at rest or advise on the next steps you should take.

Please keep all information relevant to the claim; this will help us to handle your claim as efficiently as possible. Remember; do not admit liability until you have spoken with us.

I need to claim

Call us as soon as you can on:

01489 770 325

If you are calling from the Republic of Ireland, please call 00 44 1489 770 325

Emergency out of business hours?

Never fear, we have a 24 hour emergency telephone number so you can still speak to a friendly adviser about your claim.

0500 114 477

Please quote the Camerasure scheme reference number - 23822800CHC

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Photography Insurance FAQs

How do I know the value of camera equipment I want to insure?

We replace your items on a new for old basis so; in the unfortunate event of a total loss you get the latest equivalent model as a replacement. By checking how much an equivalent replacement costs in the market today, you will get a good idea of the value you should insure your own equipment for. Don’t forget, if you are VAT-registered you can deduct this element from your total value.

Is my equipment covered abroad?

We have a variety of covers available to suit your travel arrangements, from UK cover, to UK and Europe cover, to worldwide. Our standard cover is UK and 45 days worldwide; you do not need to notify us when you go abroad unless you exceed 45 days in any one policy year. If worldwide cover is selected, travel cover is unlimited; however a maximum trip limit of 90 days in any one trip is applicable.

If you have any queries in respect of cover abroad please contact us.

Do I need to provide you with a list of my equipment?

The answer is no provided you have receipts and invoices for your equipment in the event of a claim. If you are concerned that you may not have these then please supply an equipment list, and this can be good business practice to make sure that your sum insured is always adequate.

Is my equipment covered in the hold of an aircraft?

Yes, full cover is extended to equipment within the hold of an aircraft subject to the equipment being in a locked Peli Case or similar protective casing.

Is my equipment covered if I am distracted and it is stolen?

Yes, Towergate policies provide cover for 'open theft' and this would include opportunist. This means we do not require signs of forcible or violent, entry or exit for the theft cover to be in force.

Under my previous insurance I made a claim, will this affect my cover?

We only need to know about claims you have made in the last five years. Each claim is considered on an individual basis and though some may have no effect on your policy, others might. Just make sure you let us know and we will talk you through it, failure to disclose a claim can invalidate your cover.

Do you only cover UK residents?

You can get cover if you are a resident of:

  • United Kingdom
  • Northern Ireland
  • Isle of Man
  • Channel Islands
  • Eire (Professional/Professional indemnity and Semi-professional policies only)

Just remember that all sales for the Isle of Man, Channel Islands and Eire will be on a non-advised basis. This means that we will not give you a specific recommendation as to which policy you should buy however, we will provide you with information to help you decide which policy is best for you.

Do I have to pay an excess in the event of a claim?

Yes, Towergate photography insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.

Can you cover my drone for commercial use?

Yes, we have teamed up with a leading Lloyds aviation insurer to offer you a specialist aviation cover and claims service forcommercial users of drones. We can provide expert liability and hull protection backed up by a team of aviation claims specialists. They have access to lawyers who are experienced in working with some of the largest global aviation operators and the complex liability issues that can arise.

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