Public Liability

Helping protect you against third party claims

Public Liability for photographers


What is Public Liability insurance?

Whether you're roaming the countryside capturing incredible landscapes, or set up in the studio taking family portraits, there is always the possibility that something could go wrong. It's unfortunate and no photographer wants it to happen to them. However, you can put measures in place to help once the damage has been done.

It's hard to predict the unpredictable, so why take a chance? By taking out Public Liability insurance with us today, you can make sure that you're covered against the kind of risks that can arise when out in public.

Why is Public Liability insurance important?

If you're out working or whether you're taking pictures in your spare time, the last thing you want is for something to go wrong. Unfortunately, when you're out in public there's always a chance that something will. If someone was to fall over one of your tripods or you were to accidentally drop your bag and damage someone's belongings, then you could be liable for compensation costs.

Public Liability insurance aims to protect you from claims of injury or property damage from third parties. So, if a member of the public was to hurt themselves as an indirect result of your work, then we will offer up to £1million to protect you from liability claims as standard and you can extend your cover to include up to £5million in liability costs.

What does Public Liability insurance cover me for?

If you're planning on using your camera and gear in public, you'll want to know that you can shoot without any worry about what might go wrong.

We have the following options when it comes to Public Liability:

Public Liability cover with your equipment: You will receive £1million of Public Liability cover as standard, along with £10,000 Personal Accident cover when you insure any equipment. You can also choose to extend your Public Liability cover to £5million and then, at no extra cost, include up to 4 photography assistants who work alongside you.

Public Liability Only: You can choose to take £5million Public Liability as a standalone policy, without insuring any of your equipment if you prefer. Again, this option allows you to include up to 4 photography assistants who work alongside you.

Public Liability can cover you if a claim is brought by a member of the public for an injury or property damage as a result of your photo or video related activity.

It's also important to understand that our Public Liability & Personal Accident cover does not cover:

  • Any liability or accident caused as a result of your use of, or ownership of, a drone/UAV.
  • Any liability or accident where the incident has arisen in North America.

If you are looking for Public Liability insurance to provide over £5million of cover you can contact PIB Insurance Brokers, also part of the PIB Group, in the following ways:

  • Phone: 0345 450 7171

Our phone lines are open Monday to Friday 9am - 5pm

Policy documents


For customers incepted on or after September 23rd 2019, you can click below to access your policy wording.

Policy documents - Home Studio, Flexi and Select


For customers incepted before September 23rd 2019, you can click below to access your policy wording.

Existing customers


If you have an existing policy with either APIS or Photo Liabilityguard, then you can contact our team for information on your policy. 

Email us at: support@guardcover.co.uk