Photographer insurance in Ireland
A guest trips over a light stand. A client loses money because a file never arrived. Public liability covers the first, professional indemnity covers the second, and you can take both together.
Public Liability from €7.55 per month.
Professional Indemnity from €10.80 per month.
Business insurance, done differently.
Fully online business insurance in Ireland.
A few questions and you're covered.
No lock-in, no long contracts.
Excess from €0, up to €6.5 million of cover.
Why take out business insurance as a photographer
Photography puts your liability on the line on every shoot. Here is why dedicated photographer insurance matters:
You damage a venue or a client's property. A stand into the wall of a hotel function room, or a mark on a studio floor.
Someone is hurt around your kit. Stands, cables, and lighting on a wedding floor or a studio set.
A file never arrives, or arrives corrupted. Nobody is hurt, and nothing is broken, but the client is out of pocket.
What is Public Liability insurance?
If a third party, like a client or a member of the public, holds you responsible for an injury or for damage to their property, public liability insurance takes care of your defence costs and any compensation due.
What does it cover?
Injury or property damage caused to others in the course of your photography work. You choose a cover limit of €1.25 million, €2.5 million or €6.5 million per claim, and up to twice that per insurance year. Employers' liability (€13 million per claim) can be added if you have staff.
Cover that fits your profession
You describe your activities fully at sign-up, and your cover matches what you actually do: studio work, on-location shoots, weddings, events and commercial photography.
Is it mandatory?
Public liability isn't required by law in Ireland. However, many wedding venues, hotels, corporate clients and event organisers require proof of cover before you can shoot on their premises. Cover starts from €7.55 per month.
Who needs it?
Any photographer working with people in person: in a studio, on location, or at a client's venue.
If there's a chance a client could hold you liable for purely financial loss, it's worth also considering Professional Indemnity cover.
What is Professional Indemnity insurance?
Professional indemnity covers the purely financial loss a client suffers because of a mistake in your professional work: wrong advice, a miscalculation, a missed detail, or an error in something you delivered. It doesn't cover injury or damage to property (that's Public Liability); it's specifically about the financial damage your client suffers because of your work.
What counts as a professional mistake?
Unusable shots, files lost before delivery, a brief that was not met, or material used without the licence it needed.
Who is it for?
People whose work is advice, expertise, or deliverables rather than physical work, photographers and videographers among them.
How does the cover respond?
It's written on a claims-made basis: the claim must be made and reported to us while your policy runs.
Switching to us from another insurer?
Work from up to 5 years back is covered, provided your previous policy would have covered the claim.
Cover that fits your profession.
You select your activities when you apply, so the policy and its exclusions match what you actually shoot and deliver. Get your cover from €10.80 per month with Insify.
Which cover do you need?
Most photographers are exposed to both. One covers injury and damage, the other financial loss from your work. You can combine them in one Insify policy. Cover limits, excess and exclusions apply. See the policy wording.
Public Liability insurance
Covers claims when your work injures someone or damages something that belongs to them. For example, someone trips over your equipment, or you damage a floor while working at a client's premises.
- Choose your cover: from €1.25 million up to €6.5 million per claim, and up to twice that per insurance year
- Excess from €0, depending on your turnover
- Staff? Add optional Employers' Liability with €13 million cover per claim
- Most relevant when your work brings you into contact with clients, the public, their premises or their belongings
Professional Indemnity insurance
Covers purely financial loss a client suffers through a professional mistake, oversight or wrong advice, with no injury or property damage involved. Think of work a client claims was unfit for purpose and cost them money.
- Choose your cover: from €125,000 up to €1.25 million per claim, and up to twice that per insurance year
- Excess from €0, depending on your turnover
- Most relevant when clients pay you for advice, programmes and plans
What's covered
Photography for individuals: portraits, passport and school photos, weddings, buildings.
Photography for businesses: portraits, press, fashion, advertising, publishing, estate agency.
Video: weddings and parties for individuals, brand and image films for businesses.
Developing, printing, copying, restoring and enhancing photos and film.
Running photo booths.
Site visits, such as a look at a wedding venue beforehand.
Running company events, seminars and training courses.
Travelling for the business.
The premises you work from.
Using copyrighted material by accident, without the licence you needed. Patents are the exception.
Product and industrial design.
Photos or films for adult entertainment.
Broadcasting films on television or in cinemas.
Patent infringement.
Contract clauses that increase your liability: a penalty, an indemnity, a warranty or a performance commitment.
Guaranteeing a result.
Cover and exclusions shown are indicative and non-contractual. Only the terms of your policy apply.
What a claim can look like
A guest at a wedding reception tripped over a light stand and broke a wrist.
A memory card failed before delivery and the images from a client's event were lost.
Material used in a commercial shoot turned out to be unlicensed, and the rights holder claimed against the client.
A guest at a wedding reception tripped over a light stand and broke a wrist.
A memory card failed before delivery and the images from a client's event were lost.
Material used in a commercial shoot turned out to be unlicensed, and the rights holder claimed against the client.
Examples are for illustrative purposes only. Compensation depends on the exact circumstances of the claim. No rights can be derived from these examples.
Your business insurance with Insify SmartGuide
Taking out insurance can be quick. Making sure you have the right cover is another matter. With Insify SmartGuide, you don't sign a contract blindly. You ask all your questions, and get clear, immediate and personalised answers, before you take out a policy.
Are you covered if you accidentally damage a client's equipment while working?
What excess should you choose?
Are you protected in the event of a dispute with a client?
Insify SmartGuide guides you step by step to understand what's covered, what isn't, and why. In just a few clicks, you build insurance that's truly tailored to your business, with complete confidence. Try Insify SmartGuide. Understand your insurance before you need it.
How to choose the right insurance as a photographer
Criteria to compare:
The cover offered: match it to the real risks of the work, from studio sessions and on-location shoots to weddings, corporate events and video. The damage that matters here is injury to other people and damage to property belonging to others, so every discipline you actually take on should be declared.
The price: compare premiums, but an attractive price can hide exclusions that matter to a photographer.
The excess: know what stays at your own expense when a claim happens.
The exclusions: watch for activities you have not declared, restrictions on the kind of photography a policy will accept, and marketing that promises guaranteed results.
The service: check how you reach the insurer when a claim happens, what the response times are, and whether the cover is explained in plain terms before you commit.
Mistakes to avoid: a generic policy written for any small business will not follow you onto a wedding floor or into a client's brief. To secure your business today, discover our Public Liability and Professional Indemnity cover.
More than 40,000 entrepreneurs trust us
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Answers to your questions about photographer insurance in Ireland
Public Liability starts from €7.55 per month and Professional Indemnity from €10.80 per month. What you pay depends on the activities you declare, your turnover, the cover amount you choose and the excess you accept. A photographer working alone on portrait and wedding work sits at a different premium from a studio with staff and commercial clients. Running a quote online takes a couple of minutes and commits you to nothing, so it is the quickest way to see your own figure.
No, Public Liability is not legally mandatory in Ireland for photographers. In practice it is often required anyway: venues, wedding and event organisers, local authorities and commercial clients regularly make it a condition of letting you work, and some will ask for evidence of cover before they confirm a booking.
That is exactly the kind of claim Professional Indemnity is written for: the client suffers purely financial loss because of a mistake in your professional work, with no injury and no damage to anyone's property.
The excess is the part of a claim you carry yourself. If your turnover is €500,000 or less you can choose €0, €250, €500 (the default), €1,000 or €2,500; above that the options are €500, €1,000 (the default) or €2,500. Worked through: on a €3,000 claim with a €500 excess, you pay the first €500 and the policy pays the remaining €2,500. A higher excess lowers your premium and raises what you fund yourself on a small claim, which is the trade-off to weigh.
Yes, provided you declare the work when you apply. Site visits such as wedding receptions are part of the insured activity, as is organising and running company events, seminars or training courses, and taking photos or video for individuals at weddings and parties.