Aaduki is a leading specialist insurance broker for photographers, providing flexible insurance tailored to your needs and supported with expert advice from our specialist team.

What is photographers' insurance?

Photographers’ insurance is key to help protect professional or amateur photographers against the risks they may face when on location or in the studio. From weddings and events to commercial or editorial photography, having the right insurance cover in place provides peace of mind. Whether you run a business, work as a freelancer or enjoy photography as a hobby, it’s important to have the right insurance in place to protect your business and your equipment.


  • Why not refer a friend, and as a thank you, you could receive £10 off your next insurance premium – with Aaduki One.

Risks faced by photographers

…Your equipment is damaged whilst you’re abroad?

…Your bag is stolen whilst on a shoot?

…You do have to claim…who do you turn to?

The Aaduki team are at the end of the phone, ready to help you sort out the details and recover or replace your equipment, so you don’t have to worry. 

Professional photographers face a wide range of additional risks which could ruin their business if they aren’t adequately protected – from liability for accidents or property damage whilst on a shoot, to employers’ liability and copyright infringement. Knowing you have the right protection in place can provide peace of mind. And…having a team behind you who cares about the outcome of your claim can make the world of difference. 

Quick Contact

Paul Newberry

Lead Client Adviser

Email Paul

What’s covered?

Aaduki photographers’ insurance includes cover for:

  • Photographic, video and lighting equipment
  • Computers and electronic office equipment
  • Hired-in equipment
  • Photographic work (portfolio)
  • Stock and materials
  • Goods held in trust
  • Props, sets and wardrobe
  • Business property and money
  • Buildings, shop fronts and fixed glass
  • Tenants’ improvements
  • Interior decorations, fixtures and fittings
  • Film processing and darkroom equipment

To cover your gross profit and/or additional cost of working expenses.

  • Public and products* liability: for injury caused to third parties or for damage caused to a third party’s property arising from your activities or products
  • Employers’ liability*: for your liability for employee injury at work
  • Professional indemnity: cover for your contract with your customer and advice you provide for which you are held legally responsible.
  • Legal Helpline: legal advice available 24/7 on UK business law

*Products liability and employers’ liability are only provided alongside public liability insurance.

  • Legal advice on UK law 24/7
  • UK tax advice between 9.00am and 5.00pm Monday to Friday (except bank holidays)
  • Counselling assistance 24/7

Please note: we don’t insure mobile telephones (regardless of any image making capability of such a device), drones/UAVs or their attachments. Cover is available for customers based in the United Kingdom, the Isle of Man and the Channel Islands only.

We can also help with…

“Would definitely recommend”



“Excellent service! A really honest company, brilliant top class insurance package… Incredibly pleased. Superb”



“Exceptional customer service!  I have been insured with this company for many years now and I have nothing but positive comments. Staff are always so friendly and helpful and no matter what problems I have (I have had a few!) and it is never too much trouble! I would recommend this company to anyone!”




Our clients often ask us:

The cost of photography insurance can be extremely varied and there are no one-size-fits-all answers. Insurers will take into account a variety of factors, looking at the risks and the level of cover that you want in order to decide on the cost of the policy. You may find it’s worth paying a little more to get advice and support.

Several aspects will be taken into account to calculate your premium including

  • Level of risk
  • If you’re a professional or amateur photographer
  • The cost of your equipment
  • What level of cover you take out

Yes, if the items cannot be repaired. The policy will replace items that are lost, damaged or stolen with brand new items. If we have agreed to insure your items for a second hand replacement however, a claim would cover second hand replacement. Subject to the amount for which you have insured.

Theft and accidental loss of, or damage to, your equipment is covered.

You can extend cover on your equipment whilst away from your premises to any territory worldwide (except where the UK Foreign Office advises against all but essential travel, and specifically excluded countries). By designing your cover in this way you can keep your premium cost down by not having to insure all items away from your premises all of the time if you do not need such a wide scope of cover.

No, we only arrange annual insurance policies.

Yes, we will discuss with you at the time the best way to do that from a number of options. Hired equipment is not covered by your policy unless it is specifically shown as insured on your policy schedule.

It depends on the type of policy you have with us. Some ask that you send an equipment list for items over a certain value (which could differ dependent upon the underwriter), whilst others have no requirement for a list. We will tell you if your policy requires a list.

Yes, but it depends upon the type of policy as to the amount of cover and the terms and conditions applicable including cover for items left in your vehicle when you’ve finished working or overnight. We will tell you the extent of cover and the terms applying to this.

Public liability covers any liability you may face for causing an accident to a member of the public.

Employers’ liability covers liability for injury or illness to an employee that they have sustained as a result of their employment with you. In most situations it is a legal requirement that you hold employers’ liability insurance if you employ anyone.

Professional indemnity covers your failure to produce work to a professional standard for which you are held legally responsible.

Yes, subject to status the premium may be paid in instalments by direct debit.

Contact our team to discuss your needs.

We’d love to hear from you!

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