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 against?

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:

Equipment: You will receive £1million of Public Liability cover as standard when you insure any equipment. You can also choose to extend your Public Liability cover to £5million.

Public Liability: You can select to take £5million Public Liability as a standalone policy.

Public Liability can cover you if a claim is brought by a member of the public if they suffer an injury, or incur damage to their property, as a result of your photo-related activity. For the professional photographer, we can even offer an additional Public Liability cover. However, our Public Liability cover does not apply to either drone or quadcopter use.

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