Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK wedding photographers — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Wedding photography carries a risk that doesn't apply to most other photography work: there is no second chance to recreate the day if something goes wrong.
A failed memory card, accidental deletion or theft before the day's images are backed up doesn't just lose photos — it loses photos of an event that can never happen again. This is precisely why professional indemnity cover for wedding photographers matters more than for almost any other type of shoot.
Most wedding venues — hotels, barns, marquees, stately homes — will check your public liability certificate at load-in and can refuse access without one, often specifying a minimum limit in their own supplier requirements. Have it ready to show before the day, not on it.
Under UK law, you own the copyright to wedding photos you take, even after delivering them to the couple, unless you've explicitly assigned it in writing. Many couples assume they automatically own the images outright — worth clarifying upfront, since it affects how images can be shared, printed elsewhere or used by other wedding suppliers.
Shooting to dual memory cards and backing up at the earliest practical break in the day — not just that evening — reduces the window in which a single point of failure could cost an entire wedding's worth of images.
A strong policy covers the specific risks of your trade — from lost images to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged as a result of your business activities.
Covers claims of negligence, errors or bad advice. Essential if you provide professional services, advice or designs to clients.
Legally required if you employ anyone. Covers employee injury or illness claims. Minimum £5 million cover by law.
Covers business equipment, tools, cameras and specialist kit against theft and accidental damage — at your base and on the move.
Replaces lost income if your business is unable to operate due to an insured event. Covers ongoing fixed costs during recovery.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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