Glover & Howe Insurance

Photography Insurance

Insurance Solutions Tailored for Every Photographer.
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Tailored Insurance for Professional & Amateur Photographers

Investing in Camera Insurance is a prudent decision for any Photographer, amateur or professional. Your camera gear represents a significant financial investment, and unforeseen events such as theft, accidental damage, or loss can be financially devastating.

Explore comprehensive Camera Insurance designed to safeguard your gear in any setting – be it your home, a studio, or within specified territorial limits. Our coverage encompasses any make or type of photography equipment, from Laptops and Computers to Digital Cameras, Camcorders, Binoculars, Projectors, iPads, and more – all specified and owned by you. With our adaptable and robust camera insurance, enjoy worry-free creativity, knowing your tools are protected no matter where your photography ventures take you. 

We prioritize a personal touch in our services, understanding each client’s unique needs. From tailored solutions to genuine interactions, our commitment is to make you feel recognized and supported, whether you’re a seasoned professional or just starting out.

 

Your Photography Coverage Includes:

Accidental Damage Coverage

Our insurance protects your equipment against all types of impact damage, ensuring coverage for malfunctions or impairments. Safeguard your gear with our specialized accidental damage coverage, offering peace of mind for worry-free creative pursuits.

Theft Protection

Our insurance safeguards your camera equipment from the risk of theft, both at home and on location. Enjoy the peace of mind that comes with comprehensive protection for your valuable photography gear.

Loss Coverage

Our insurance ensures protection against accidental loss, providing coverage in case you lose an item in an unrecoverable location. Safeguard your equipment with our comprehensive loss coverage for added peace of mind.

Unattended Vehicle Coverage

Our insurance includes protection against theft from an unattended vehicle, subject to policy times and limits. Ensure the security of your equipment with our specialised unattended vehicle coverage for added peace of mind.

Delegated Account Handler Service

At Glover & Howe, our exceptional service is a key perk of our insurance offerings. Benefit from a dedicated Delegated Account Handler who will assist you with any queries you may have. Experience personalized support for a seamless insurance experience.

International Travel Coverage

Our insurance policy includes coverage for trips overseas, ensuring protection while you travel. Choose from multiple lengths to customize your coverage for a worry-free international experience.

Photographer Referral Program

Explore our Refer-a-Photographer scheme, exclusively designed for our valued clients. Refer another photographer and unlock exciting rewards—a £25 retail voucher awaits you! Join our community and start sharing the benefits today. T&Cs Apply.

Camera Insurance FAQs

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Can I add extras to my policy?

Absolutely! Enhancing your policy is a breeze with our range of customizable add-ons, ensuring comprehensive coverage for a wide array of gear. Additionally, we offer specialized Drone Insurance tailored to meet the unique needs of your commercial photography business. Your coverage is as versatile as your craft, providing the peace of mind you need to focus on capturing the perfect shot.

Do you offer cover for sports photographers?

Certainly! Indeed, we offer extensive coverage specifically designed for sports photographers, encompassing worldwide protection and various additional benefits.

Are all types of cameras eligible for insurance?

As your trusted photography insurance provider, we offer comprehensive coverage for an array of camera types, from DSLRs and mirrorless cameras to high-end professional equipment. Ensure eligibility by reviewing and confirming the details in your policy.

What is Public Liability Insurance?

Public liability insurance provides financial protection for individuals and businesses against claims made by third parties for injury, property damage, or related incidents. It is especially important for those who interact with the public, helping cover legal expenses and potential financial losses from liability claims.

Want us to call you?

Ensure your camera coverage stays worry-free! When your camera insurance is up for renewal, simply give us a heads up, and we’ll proactively reach out to you. Your peace of mind is our commitment!

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Professional-Camera

Professional and Semi-Pro Photographic Insurance

A policy designed who anyone that trades part time as a Photographer or Full time.

 

What do we offer?

  • `All Risks` Equipment cover
  • Theft from unattended vehicle cover*
  • Cover available whether you are trading part time as a photographer or full time.
  • Association discounts available
  • No claims discount accepted
  • Public Liability
  • Professional Indemnity
  • Employers Liability
  • Business Interruption
  • Mobile Phone cover available
  • Legal Expenses cover
  • Loss of data cover
  • Worldwide cover
  • In house claims team
  • Delegated Account Handler
Amature-Photo

Amateur Camera Insurance

A policy designed for the Photography enthusiast

 

What do we offer?

  • `All Risks` Equipment cover
  • Theft from unattended vehicle cover*
  • Mobile Phone cover available
  • Association discounts available
  • No claims discount accepted
  • Worldwide cover
  • In house claims team

Cover starting from just £2.68 per month or just £25.00 a year!*

Videographer

Videography Insurance

A policy designed for a business that combines Film with Photography.

What do we offer?

  • `All Risks` Equipment cover
  • Theft from unattended vehicle cover*
  • Cover available whether you are trading part time as a photographer or full time.
  • Association discounts available
  • No claims discount accepted
  • Public Liability
  • Professional Indemnity
  • Employers Liability
  • Business Interruption
  • Mobile Phone cover available
  • Legal Expenses cover
  • Loss of data cover
  • Worldwide cover
  • In house claims team
  • Delegated Account Handler

Astronomy Insurance

We can provide policies for Astronomy enthusiasts and Astronomy association.

What do we offer?
  • `All Risks` Equipment cover
  • Theft from unattended vehicle cover*
  • Covered whether in your home, on location, or in an observatory
  • Mobile Phone cover available
  • Custom built observatory insurance available
  • Association discounts available
  • No claims discount accepted
  • Worldwide cover
  • In house claims team

Our specialist Astronomers’ policy will insure all of your astronomy gear whether it is kept within your home or within a stored observatory on an `All Risk` basis. This includes accidental damage cover, accidental loss cover and theft.

Below you can find further information or you can get a quote online.

 

Drone Insurance

If you have a Photography Insurance policy with us and use drones as part of your Commercial Photography business then we can offer cover.

What do we offer?

A Small Unmanned Aircraft (SUA) is any unmanned aircraft, other than a balloon or a kite, having a mass of not more than 20kg without its fuel but including any articles or equipment installed in or attached to the aircraft at the commencement of its flight.

Cover for SUAs can be considered, subject to certain criteria being met, including but not limited to:

  • The SUA must be operated in accordance with Civil Aviation Authority (CAA) requirements including permission to operate a commercial flight.
  • You must have passed the Remote Pilot competence, as required for the commercial use of any unmanned aerial vehicle, issued by the CAA in accordance with current UK law & any other qualifications required for the type of use undertaken.
  • Cover will be limited to flights in connection with the business only, cover will exclude any recreational use.
  • The Public and Products Liability section will only cover flights which take place within the UK.
  • The SAR territorial limits cover will be as per the standard policy limits.
  • The maximum Public and Products Liability limit of indemnity in respect of drone use is £2,000,000. 

We can also consider Public & Products Liability cover for CAA remote pilot assessments, this is subject to certain criteria, including but not limited to:

  • Cover for the SUA must already be in place under the SAR (Equipment) Section with Covea
  • An additional premium will be due for the Public and Products Liability extension of cover for CAA practical flight assessment use.
  • Cover will be in place for 3 assessment attempts each for up to 2 covered persons. Once these attempts have been exhausted unsuccessfully cover will cease immediately.  

Cover will be subject to payment of the appropriate additional premium(s) and an increased policy excess will apply.