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 assistants and runners who work under the control and direction of the photographer, and are therefore covered on the photographer’s liability policy. 

Bona-fide subcontractors

These are such people as stylists, set designers, hair and make-up artists or set builders. 

These types of roles normally work under a contract for services and therefore charge

the photographer a fee for their professional services and expertise. For

that reason, bona-fide subcontractors are required to have their own insurance in place; 

Employers’ Liability to cover people they bring on set, and Public Liability

to cover third parties and their property.

It is the photographer’s responsibility to make sure all bona-fide

subcontractors they hire have the correct liabilities in place.


We hope this is useful information. Williamson Carson are experts in insurance and passionate about supporting the creative industries. Discover how we can help protect you from risk, with bespoke cover for your industry. Contact us now. Read more insights and interviews by Williamson Carson.