Professional Photography Insurance

  • Providing professional photography insurance for over 30 years
  • Worldwide insurance cover for your professional photography equipment
  • All risks insurance for your professional photography equipment
  • Personal account and claims handler if things go wrong
  • Tailored cover for you
  • Additional £2,500 studio contents as standard
  • Additional £5,000 hired professional photography equipment as standard
  • Flexible payment options available
Photographers Insurance

Professional Photography Insurance 

Williamson Carson and Co Ltd have provided professional photography insurance since 1986. Over 33 years insuring the wide variety of professional photographers, from underwater photographers to portrait photographers and all those in between. Handling thousands of professional photography insurance claims over the years, there isn’t much we haven’t seen. Our team has a wealth of experience assisting photographers and we like to chat, so if you have any questions, please pick up the phone.


In our experience no two professional photographers are the same, so why should your professional photography insurance be the same? We provide tailored professional photography insurance for your business. Our professional photography insurance packages are flexible, from equipment only, to wider packages including public liability, employers’ liability and professional indemnity.

  • Includes Accidental Damage Cover
  • Worldwide cover as standard – free of charge
  • Automatic Equipment Hire Cover, whilst claim being dealt with
  • Includes cover in vehicles
  • Includes cover in Aircraft Holds
  • Includes damage by Airline Staff / Baggage Handlers


Professional Photography Public Liability is a must have. In a short and sweet summary, public liability covers your legal liability for damage or injury in the course of your business. You won’t get very far without this type of policy nowadays. Most venues and locations will want to see evidence of your photography public liability.

Please also remember it is a legal requirement to have Employers’ Liability cover to protect anyone you employ.This would include models, assistants, volunteers, those on work experience or anyone else under your care or control.


Photography Professional Indemnity is more than ever a critical part of a photography insurance package. The likelihood of copyright claims and disputes against photographers is greater than ever.

The policy is designed to protect against any errors & omissions that may be made. Whilst the headline cover is ‘negligence or breach of duty of care’, it is the inclusion of intellectual property and copyright protection which is the deal breaker.

Don’t be tricked into purchasing a professional indemnity policy that is ‘negligence only’, it will not cover the primary risks. We know the detailed intricacies of the professional indemnity policies available. Many do not provide the cover required, we are happy to check your policy and help you through this minefield.


We have the unique ability to add re-shoot and production insurance to your professional photography insurance policy. Very few of our competitors are able to provide additional production and reshoot insurance. With rapidly increasing production costs for professional photography shoots it is more important than ever for professional photographers to protect themselves against re-shoot costs should they be unable to produce the required images due to reasons beyond their control.

We have a reshoot policy for professional photographers designed using Chubb’s expertise in the film industry and Williamson Carson’s vast knowledge of the photographic industry.

AOP Photography Awards 2021

We are very proud to have served the photography industry since 1986. We’ve witnessed the seismic changes in the image making industry over the years and constantly adapt our products and services accordingly to how the industry, technology and life evolve. Supporting the AOP (Association of Photographers) is very important to us. Our mission to …

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Your photography team – who is and isn’t covered?

There is often some confusion around whether subcontractors are covered under Photographers’ Liability Insurances.  First of all, we need to consider that there are two types of subcontractors; labour only subcontractors, and bona-fide subcontractors.  Labour only subcontractors These people are considered to be working under a contract of work. These would be such people as …

Read More “Your photography team – who is and isn’t covered?”

Everything you need to know about insuring props, sets & wardrobe

Some photographers mistakenly think that because Public Liability covers damage to third party property, it includes Props, Sets & Wardrobe (P, S & W).  Be warned, this is not the case.   When P, S & W are in your possession and under your care, custody and control they are excluded from Public Liability policies.   Insuring …

Read More “Everything you need to know about insuring props, sets & wardrobe”


Review from TrustPilot

The company has been handling insurance for my photographic business for a number of years during which time I have had to make two claims. Both times the claim has been handled with great efficiency, the latest being settled with payment agreed in 36 hours. You can’t ask for more than that. It gives me great peace of mind to know that any problems can be taken care of without additional worries following the accident. – Alexander James, Photographer

I've been dealing with Williamson Carson for over 20 years having been introduced to them through the Association of Photographers of which I'm a member. When I've had a claim, however complex, it has been dealt with quickly and efficiently and they very much work for you. They really understand the industry and just happen to be a great bunch of people to deal with.

– Larry Bray

Tom Carson & Williamson Carson have been my insurance brokers for over 15 years. The advice and cover they provides is both comprehensive and realistic. Tom's many years insuring the photographic and film industry means he is never fazed when I throw him last minute curve balls on shoots & on the 2 occasions I have needed my insurance it was dealt with swiftly & professionally. I highly recommend Tom and his team.

– Katy Niker, Burnham Niker