Photo booth insurance: why your business needs it

Should I get photo booth insurance for my business?

If you’re running a photo booth business, one of the most important questions you’ll ask yourself is:

Do I need photo booth insurance?

The short answer? Absolutely.

Your equipment is expensive to buy and repair, you’re operating in dynamic environments and you’re responsible for public interaction and client satisfaction. Having photo booth insurance isn’t just a smart business move, it’s a clear signal to your clients and venues that you take your business seriously.

If a client asks if you hold insurance and you can answer yes right away. You can also advertise on your website or social media that you’re fully insured for all events which will instil trust with your clients.

Let’s take a closer look at why photo booth insurance matters and what types of cover you should consider.

Why do you need photo booth insurance?

Operating a photo booth as weddings, parties and corporate events comes with risks. Whether it’s expensive equipment, legal obligations or unpredictable guest behaviour. Here’s why insurance is crucial.

1. Protect your equipment

Photo booths, magic mirrors, and 360 booths represent a significant investment. If something goes wrong, like accidental damage by a guest, theft at a venue, or water damage in storage, you’ll want to know that your equipment is covered. Replacing a £2,000 booth out-of-pocket could seriously impact your business.

2. Meet venue requirements

Most UK venues require proof of public liability insurance before they’ll allow you to operate on-site. The most commonly requested limit is £5 million. Without it, you could lose out on bookings.

3. Safeguard Against Liability Claims

If a guest trips over your wires or your booth causes damage to the venue, public liability insurance protects you from the legal and financial fallout. Legal claims can be costly, even if you're not at fault.

What does photo booth insurance typically include?

A comprehensive photo booth insurance policy can include the following types of cover:

Public and Product Liability Insurance

This is the most common type of insurance for photo booth businesses. It covers injury or damage to a third parties property. Limits typically start at £1 million and can go up to £10 million depending on your business needs.

Employers’ Liability Insurance

If you employ staff, whether on a temporary or casual basis, you are legally required to have employers’ liability insurance. This covers injury or illness claims made by your employees, contractors, or even volunteers.

Equipment Insurance

Photo booth equipment is costly and vital to your service. Whether it’s damaged in transit, stolen at an event, or dropped by a guest, equipment insurance ensures you’re not left out of pocket. You can also choose to insure equipment that’s hired out without a staff member present.

Business Interruption Insurance

What happens if your booth is damaged and you're forced to cancel bookings? Business interruption cover helps cover lost income until you’re back up and running - vital during peak wedding season.

Professional Indemnity Insurance

If a client claims that you provided a poor service, had faulty printer issues or failed to deliver what was promised, professional indemnity insurance helps cover legal fees and compensation costs.

Why photo booth insurance shows professionalism

When clients ask if you’re insured, being able to answer with a confident “yes” builds trust. It reassures clients that you’re a professional who takes your business and their big day seriously.

In fact, advertising that you’re fully insured for all events on your website and social media can give you a competitive edge when couples are choosing between suppliers.

Concluding thoughts: is photo booth insurance worth it?

Yes, photo booth insurance is worth every penny

Not only does it protect your financial investment, but it also gives you peace of mind and demonstrates professionalism to clients and venues alike.

Insurance isn’t just about reacting to problems, it’s about preventing them from becoming disasters that could jeopardise your reputation or income.

Get covered today

At Wedding Insurance Group, we specialise in cover for photo booth businesses and the wider wedding and event industry. Whether you're a seasoned pro or just starting out, our policies are tailored to your needs.

Call us on 0121 550 2380

Or get an instant quote online Photo booth insurance

Laura Bird

Laura is our Commercial Underwriting Manager and is the daughter of directors Lyn and David. With insurance running through her veins, Laura is interested in the digital marketing aspect of insurance and has previous underwriting experience which she uses to lead her expertise within the wedding business insurance industry. Need insurance for your wedding business? Get a quote online or call 0121 550 2380 - 9 am to 5 pm, Mon to Fri.