Health, Safety & Insurance
Preparation & Planning | 12 min read
Property photography involves visiting unfamiliar buildings, climbing stairs with heavy equipment, and sometimes working at height with drones. Taking health and safety seriously protects you, your clients, and your business.
Before every shoot, do a quick mental risk assessment:
Specialist photography insurance from providers like Infocus or Hiscox typically bundles all three. Expect to pay £200-400 per year depending on your cover level and equipment value.
If you're using a drone, you need separate drone insurance (see Module 7). For interior work, avoid standing on furniture or using makeshift platforms. If you need height, carry a small step stool.
You'll often be working alone in empty properties. Let someone know where you are and when you expect to finish. Keep your phone charged and accessible. If a property feels unsafe, trust your instincts and leave.
Under UK GDPR, you may capture personal data in your photographs (family photos on walls, post with names visible, etc.). Be mindful of this and avoid including identifiable personal information in your final images.
A formal risk assessment doesn't need to be complicated. When you arrive at a property, do a quick mental checklist:
For renovation or building site shoots, you may need additional PPE, hard hat, steel-toe boots, and a high-vis vest. Keep a basic set in your car.
Property photography involves carrying heavy equipment and spending hours in awkward positions. Invest in a good camera bag with proper back support. Use your legs, not your back, when setting up low tripod positions. If you're shooting multiple properties per day, stretch between jobs.
Your car is essentially a mobile office containing thousands of pounds of equipment. Never leave gear visible through windows. Use a boot cover or blanket to conceal bags. Consider a steering wheel lock for added deterrence. Some photographers install a small safe bolted to the boot floor for high-value items like lenses and drone batteries.
Keep a laminated card in your camera bag with:
If you're working in a remote or rural property with poor mobile signal, let someone know your expected finish time and check in when you leave.
Key Takeaways
- Public liability insurance is essential, most agents require £1-2 million cover
- Do a quick risk assessment before every shoot
- Let someone know your location when working alone in empty properties
- Specialist photography insurance bundles public liability, indemnity, and equipment cover
- Be mindful of GDPR when photographing occupied properties