Photography Insurance

We provide photography insurance for all types of photographer, from famous professionals to the keen amateur.

At Towergate we have a team of specialists in the field of Photography insurance. Our friendly knowledgeable staff and fast, efficient claims service will ensure you get the dependable service you require all from one office.

Are you a member of a professional body?

We partner with many professional bodies to provide specialist insurance for their members. We offer members a discount of up to 40% off. See terms and conditions

*40% off is subject to underwriting criteria, claims experience and applied minimum premiums. Please note that discounts can only be applied at either the quotation or renewal stage of the policy and unfortunately not midterm. Please contact us for a listing of our partnered associations.

0344 892 1636
0344 892 1636 Weekdays 9am - 5.30pm
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Photography insurance features

Whenever in your career we have the right policy for needs:

  • Professional Photographer’s Insurance

    A bespoke policy built by you to suit the requirements of your business.

  • Semi-Professional Photographers Insurance

    For if photography is not your full time occupation.

  • Amateur Photographer’s Insurance

    Cover for your equipment.

Don’t feel limited; we can add more cover to your policy as your career progresses.

All of our photography policies include:

  • New for old replacement of your equipment
  • 45 days of Worldwide cover
  • All Risks Photographic and Computer Equipment Cover
  • Theft from unattended vehicle Cover

Thereafter, Towergate’s policies can be custom built by you, starting from the essential covers, to a variety of tailored packages to protect your business.

The optional covers you can add are:

  • Stock Cover
  • Hired in Equipment
  • Props and Goods In Trust
  • Public Liability
  • Employers Liability
  • Business interruption
  • Professional Indemnity
  • Legal Cover
  • Personal Accident
  • Mobile Phone Cover
  • Buildings Cover

If you have something a little different you’d like to cover, ask our team for advice and see what we can do.

Struggling to find home insurance?

We can help.

We understand it can be more difficult to find home insurance if you are a photographer. To help our customers, we’ve worked with our insurers to find a solution. Just ask one of our team.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Photography insurance exclusions

  • Wear and tear of equipment and property

  • Electronic & mechanical breakdown

  • Acts of fraud or dishonesty by employees

  • This policy excludes any cover in respect of property damage caused by an act of terrorism

  • Debts outstanding at birth of policy

  • Excesses payable:

    • The first £150 of any claim for each and every loss

    • The first £80 of any claim for loss or damage to mobile phones

    • The first £300 of any claim for loss/damage to laptops

    • The first £300 of any claim involving theft from unattended vehicles

    • The first £1000 of any claim involving subsidence

Our Amateur policy has terms relating to equipment left in unattended vehicle as shown below:

  • Up to £5000 - No security requirement, equipment must be in a locked vehicle and out of public secreted view

Under our Semi Professional and Professional policy the following covers are also available:

  • £5001 to £10,000 - Factory fitted alarm and immobiliser; equipment must be in a locked vehicle and out of public secreted view

  • £10,000 and above - Requirements are specific please refer to Towergate

These are the key exclusions/limitations, full details will be found in policy wordings which can be found in your policy documents, or you can ask one of the team.


Photography insurance FAQs

How do I know the value of 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 world-wide; you do not need to notify us when you go abroad only if 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 5 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 & 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. 


Photography insurance claims promise

Our experience in providing specialist insurance to the photography and multimedia industries underpins a quality product and expert advice. That’s why most of our claims are handled by our very own claims team.

If something happens and you are uncertain whether a claim will arise or not, we recommend that you still contact us. We are always happy to discuss the circumstances with you. This will not prejudice your policy and we will either be able to put your mind at rest or advise on the best course of action.

I need to claim

Make sure you keep all information relevant to the claim; this will enable us to handle the claim more efficiently for you. You should not admit liability until you have spoken with us.

Alternative claims numbers

If you are calling from the Republic of Ireland, please call 00 44 1329 228 700.

If you have an emergency outside of business hours, never fear, we have an emergency telephone number.

Call our 24 hour claims helpline on 0500 114 477

Please quote the Camerasure scheme reference number - 23822800CHC

0344 892 1636
0344 892 1636 Weekdays 9am - 5.30pm
Get a quote Request a callback

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