If you’re just starting out in wedding photography, you might be wondering whether insurance is actually necessary. After all, you’re careful with your gear, you’re just doing a few weddings a year, and you’re working mostly with lovely couples in beautiful venues… what could go wrong?
Well — quite a lot, actually.
Here’s a simple breakdown of why insurance isn’t just a good idea — it’s essential.
1. Public Liability Insurance – Your First Priority
This is the absolute must-have.
Public liability insurance covers you if someone is injured or their property is damaged because of your actions while working. Imagine a guest trips over your light stand and breaks a wrist, or you accidentally knock over a priceless antique vase at a venue (yes, it happens).
Without this cover, you could be personally liable — and trust me, legal fees and compensation claims can spiral fast.
Tip: Many venues will ask to see proof of this before the wedding day, so it’s worth getting it in place early.
2. Professional Indemnity Insurance – Just in Case Something Goes Wrong
What happens if, despite your best efforts, you lose the memory cards? Or your camera corrupts mid-ceremony and you don’t have a backup? Or the client simply believes you didn’t deliver what was promised?
Professional indemnity insurance covers you if a client claims you’ve made a mistake or caused them financial loss through your services.
You might never need it — but if you do, it can save your reputation and your business.
3. Equipment Insurance – Protecting Your Investment
Your gear is likely your most expensive asset — and it often travels in cars, across muddy fields, or through crowded dancefloors.
If your camera gets stolen from your boot or your lens takes a tumble mid-wedding, equipment insurance helps replace or repair it quickly. Look for policies that include:
- Worldwide cover (if you ever shoot abroad)
- Accidental damage
- Hired-in equipment (if you rent kit)
4. Employer’s Liability (If You Work With Others)
If you bring a second shooter or assistant and pay them, even casually, you’re legally required to have employer’s liability insurance.
Even if you’re working as a sole trader and it’s just a friend helping out for the day — if money exchanges hands, you should be covered.
5. How Much Does Wedding Photographer Insurance Cost in the UK?
The good news? It’s usually very affordable.
- Public liability (up to £5m): from £5–10/month
- Professional indemnity: £8–15/month
- Equipment cover: varies depending on value (usually £10–20/month for £5,000 worth)
Many insurers bundle these into one policy. Look at providers like Photoguard, Infocus Photography Insurance, PolicyBee, or Simply Business.
6. Final Thought: Insurance Shows You’re Serious
Beyond protection, having proper insurance gives your clients confidence. It shows you’re not just a hobbyist with a camera — you’re a professional who takes their work seriously.
Even if you’re only shooting a few weddings a year, the peace of mind (for both you and your clients) is worth far more than the monthly premium.
Ready to Go Pro?
If you’re building your wedding photography business and want to look the part — get insured, get contracts in place, and always have a backup plan. Your future self will thank you.
