Your camera bag is lifted from the car between locations. £7,000 of bodies and lenses gone before the next booking.
Covered by All Risks
Insurance for photographers and videographers.
What one bad day on set can cost.
Real risks for working shooters, and the cover that takes the hit instead of you.
A guest trips over a cable on set and breaks a wrist. The injury claim comes to £15,000.
Covered by Public Liability
A client's wedding films are held to ransom after your cloud account is breached. The response and recovery run to £9,000.
Covered by Cyber
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. No broker calls.
Getting covered shouldn't be a project. Start to finish, it's all online.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for how you shoot.
Most shooters are underinsured and never find out until a body walks or a booking goes wrong. We make sure you're not one of them.
Your gear travels with you
Bodies, lenses, drones and laptops live in the car and on location. All Risks covers loss, theft and accidental damage, so a stolen bag doesn't cancel the shoot.
Every shoot carries liability
A tripped guest, a damaged venue, a model who claims an injury. Public Liability covers the claim, and Employers' Liability is the law the day you hire a second shooter.
Your files and your name
A breached account or leaked client footage can cost you the job and the reputation. Cyber funds the response and recovery, with a 24/7 incident line.
- All RisksBroader cover for accidental loss or damage to business assets — including the kit you take off-site.
- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- CyberA data breach, ransomware or account takeover — incident response, recovery and liability.
More than a policy
A dispute or a breach tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone whenever you need them, and if you ever do need to claim, an in-house team handles it directly, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal & tax advice
- HR & redundancy support
- Confidential counselling, 24/7
- 24/7 cyber incident line
Questions, answered.
Yes. All Risks is built for gear that travels, covering loss, theft and accidental damage on location, on set and on the road across the UK.
Most combine All Risks for gear, Public Liability for shoots and locations, and Cyber for client files, with Legal Expenses for contract disputes. Add Employers' Liability once you take on a second shooter or assistant. Professional Indemnity is launching soon.
Often yes. Venues, brands and agencies frequently ask to see Public Liability before a shoot, and some contracts request Professional Indemnity. We'll flag what your bookings need during your quote.
Drones can be covered, and All Risks can extend to equipment you hire in for a job. Tell caremate™ what you shoot on and we'll shape the cover to match.
For the work shown here, you can get a quote and buy cover in minutes, with no broker back and forth. Your documents land in your inbox straight away.
Often we can still help. Work outside the instant-quote appetite is routed to a specialist who can write the cover on referral. caremate™ handles the hand-off.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).