Photographers insurance from under £5 a month

If you employ anyone, employers’ liability insurance is a legal requirement. This includes temporary hires like a one-off photography assistant. Read more about the exceptions to this rule here.

Employers’ liability covers the legal and compensation costs you could have to pay if someone who worked for you gets injured or becomes ill because of that work. At Direct Line for Business, we will cover you for £10 million, as standard.

Running a photography business involves managing some expensive equipment. You have to maintain your camera, lenses, lights, computer equipment and darkroom stock. Should your equipment become damaged or destroyed by an insured event such as fire or flood, our contents and stock cover will pay for the cost of replacing the items, so you don’t have to worry about losing too much production time.

You can also cover your office computers, furniture, art and any other essential large items, as long as you include them within the sum insured.

You have the option of extending your camera equipment insurance so that your essential items are covered beyond your premises. For example, if you’re shooting on location, you can make sure your camera, lenses and lights are covered in case of theft or accidental damage. So, if the worst should happen, you can get replacements, without fear of losing time or clients.

If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways:

Recover financially

• Covering loss of business income if your systems are attacked
• Covering recovery costs, like fixing damage to your computer systems or data restoration
• Covering fines (where insurable by law) and compensation costs.

Recover your reputation

• You get access to public relations and crisis management experts to minimise damage to your brand and business.

Recover your systems and help prevent future incidents

• Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

Read more on Cyber cover here.

Available on new and renewal policies only. For Retail and Office & Professional customers only.

This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.