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Photographer Insurance

Specialist insurance for freelance photographers. Quick, easy and tailored to you. Quote in 60 seconds. Cover from 25p a day.

Freely toggles on-and-off to suit your needs and save you money.
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Why choose freelance photographer insurance from Dinghy?
You can be insured in under 5 minutes
Your time is precious – so you can get fully insured in less than 5 minutes, with your documents ready for you immediately in your online self-service area.
You get tailored insurance for photographers
You are a photographer not just ‘a freelancer’. We understand that, and that is why we offer specific cover to what you do and can pass the savings on to you.
You can save money when you’re not working
If you’re between contracts, or simply taking a break from work, then you no longer need to pay for insurance you’re not using. Turn your insurance off with a tap when you don’t need it and reduce your costs. We put you in control.
You get rock solid, world class insurance
We’ve partnered with some of the biggest names in the insurance industry to give you peace of mind with your cover, such as 24/7 equipment claims handling and expert lawyers to defend you.
What our customers say:
I was looking for a flexible solution for business insurance for a Ltd company and found it! The application process was very clear and they answered all my questions quickly. Highly recommended!
Monica Lelli – Trustpilot Review
Frequently asked questions
What insurance does a photographer need?
As a photographer, you can make mistakes that cost your client’s money. You can insure this risk with professional indemnity insurance. We also offer public liability, business equipment and Freelancer Assist included free on all policies.
How much does photography insurance cost?
Less than you think! From 25p a day we can provide professional indemnity insurance of £100,000 each claim. Our average photographer pays less than £18 per month.
What amount of insurance should a photographer have?
Every customer has different needs. Our most popular limit for freelancers is £1,000,000 professional indemnity, £1,000,000 public liability and £2,000 of business equipment.
What happens if I make an insurance claim?
First thing to do is not panic. We are here to help you. As soon as you need to make a claim you can login to your Self Service area and go to Support. If it’s an equipment claim, we will be there for you 24/7.
What types of photographers are covered?
We provide insurance for all kinds of photographers. Whether you are looking to insurance as a wedding photographer, event photographer, portrait photographer, fashion photographer; or sports, aerial or architectural photographer. Dinghy has got you covered.
Why should photographers get insurance?
As a photographer you will encounter many risks to yourself and your equipment during your work. As someone who may often be working in the public domain you will need public liability insurance in case you cause any damage to property or persons. You will need business equipment cover of course. Because without a laptop, camera and your equipment, you cannot work. And you will need cyber liability insurance in case a clients data is lost or compromised.
What about insurance for my camera?
As a freelance photographer, your camera is the cornerstone of your business. Luckily Dinghy offer insurance to cover you photography equipment with our business equipment cover.
What other cover do you offer for freelance photographers?
Dinghy offers Freelancer Assist as standard with every policy. Providing assistance if a client refuses to pay an invoice; covering lost pay if you are called for jury service; or providing expert tax specialists if you have an IR35 or other tax inspection

Our Insurance Partners

Allianz are one of the largest general insurers in the UK and part of the Allianz Group, one of the world’s foremost financial services providers. Allianz SE Group employs 142,000 employees worldwide, serving 85m customers in more than 70 countries. In the UK, Allianz Insurance employs over 4,600 people across a network of 26 offices. The company’s Head Office is situated in Guildford, Surrey. We have additional support services with over 1,000 people based in Trivandrum, India. Allianz offers commercial insurance with a full range of products for sole traders, right up to large commercial organisations.
ARAG’s UK operation provides a nationwide service from their Bristol Head office. They are part of ARAG SE, a global leader in legal expenses insurance which generates annual premium income in excess of €1.5 billion. It has always been their vision to enable everyone, not just those that can afford it, to assert their legal rights. With this aim in mind we have partnered with them to provide our innovative Freelancer Assist product.
Let’s Do this
The only freelancer insurance you will ever need. You’ll be covered in minutes