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What does photography insurance cover?
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.
If you earn income from your photography but it is not your full time occupation, this policy has the cover for you. Choose the options which are right for your equipment and add additional business aspects where needed. Please check the star table below to see which options are available to you.
Passionate about photography, but as a hobby rather than a profession? Our amateur photography insurance will suit your level of involvement. Don’t feel limited though, as you aspire to move up in photography and progress towards making it a career, we can enhance your cover as the business develops through a policy upgrade.
We can help you find insurance solutions for a variety of different scenarios. If you take an interest in film or multimedia, we have policies which can help. In addition, we understand it can be more difficult to find home insurance if you’re storing your camera and photography equipment at your house, so we've sourced a policy for this too. Just ask the team for details, they will be more than happy to help.
Not sure which policy you need? We like to keep things simple so the table below shows the options available on each policy:
|All risks cover for photographic and computer equipment||•||•||•|
|New for old||•||•||•|
|Theft from an unattended vehicle||•||•||•|
|45 days worldwide cover||•||•||•|
|Public liability available||•||•|
|Portfolio and stock cover available||•|
|Transparencies, Prints and Negatives||•|
|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
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.
Call us as soon as you can on:
If you are calling from the Republic of Ireland, please call 00 44 1489 770 325
Never fear, we have a 24 hour emergency telephone number so you can still speak to a friendly advisor about your claim.
Please quote the Camerasure scheme reference number - 23822800CHC
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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.
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.
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.
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.
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.
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.
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.
Yes, Towergate photography insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.