Why do Photographers need insurance?
As a photographer, your eyes are trained to find the beauty in almost anything. In finding this beauty though, these same eyes might overlook the possibility of certain mishaps occurring in the course of your work. While you’re busy keeping focus on your shoots and the long nights in post-production, a small incident such as theft of your equipment, or a third party alleging your service caused them harm could throw off the focus in your own world. It is therefore important that as a photographer, you hold appropriate insurance to protect you from the exposure you face in the operation of your business.
Photographers Insurance. Easy.
Easy to Understand
- Easy to digest information about what insurances your business needs and buy online
- Or it’s an easy call one of our experienced, friendly brokers on 1800 806 584
Easy to Buy
- Quick quotes available online
- Purchase in just a few clicks
- Options available to pay monthly
Easy to Manage
- Adjust your policy anytime you require and manage your renewals with a quick call
- Request certificates of insurance quickly and easily
- Aon can assist you in filing complex claims
Why choose Aon for Photographers Insurance?
When it comes to insurance for Photographers, deciding on the cover you need might not be easy. Aon is committed to making life easier for you by arranging insurance that’s easy to understand, buy and manage, so you can get quotes and take out a policy online in just a few clicks. Or if you do need help, our team of friendly experienced brokers are a phone call away to help you understand what insurances you may or may not need, but more importantly, why. Helping give you confidence that you’re making a better decision for you and your business.
- Also covers the non-portable contents of your office / studio
- Provides cover for your legal liability for third party injury and property damage extending to studio-related risk
- Fire / Storm / Accidental Damage and optional theft cover for studio property
- Choose the limits of cover you require
Cover benefits of Professional Photographer Insurance:
Public and Products Liability cover
- Public Liability $20,000,000 any one occurrence.
- Products Liability $20,000,000 any one occurrence and in the aggregate any one period of insurance.
- Goods in your Care, Custody or Control $250,000 any one occurrence and in the aggregate1
Optional Drone Cover
Cover can be included within your sum-insured for no extra cost by selecting the option online.1 & 3
Photo & Film Shoot Cover
Following an insured loss to your equipment which results in the loss of photos or film you took for your client that now must be re-taken, you may be covered for costs up to $20,000 in the aggregate.1
Repair or Replacement
If your photography equipment is damaged, lost, or stolen, you may be offered repair or replacement of the damaged equipment.1 Subject to eligibility criteria.
Worldwide Cover for Equipment
Cover for your equipment anywhere in the world.2
Worldwide Cover for Liability
Covers you anywhere in the world excluding North America.2
The photographers public liability insurance we arrange provides cover for your legal liability for property damage and/or bodily injury to a third party which happens during the period of insurance and is caused by an occurrence in connection with your actions or your business activities.1
Photographers studio insurance can provide cover for accidental damage (including fire, storm, water damage) to your property. It can also include cover for theft of insured money, external or internal glass breakage, and if your business is interrupted or interfered with as a result of damage caused by insured events.1
Underwater use of camera equipment, where oxygen tanks are not required, will be covered as long as the appropriate housing/casing is in place.1
Please note, recreational use of underwater equipment and/or use of oxygen tanks will not be covered under your policy.
Is insurance a mandatory requirement in my field?
While there is no governing body which mandates insurance for photographers, insurance should still be an important consideration regardless of whether or not it is mandatory. Some of your clients or some shoot locations may also require you to hold Public Liability insurance before commencing work.
How do I make a claim?
You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 1800 806 584 during business hours.
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your work and also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances have changed, for example you have changed the services that you offer and you are not sure if your existing insurance covers it anymore, then you can always call one of our experienced friendly brokers to discuss on 1800 806 584.
How do I renew my policy?
Your renewal offer will be sent to you via your elected email address, approximately 30 days before your renewal date you will receive a renewal email including your tax invoice and schedule from Aon. It is important at this stage to review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, it is important that you pay for your renewal by the date specified on the tax invoice.
Thank you for looking into renewing your policy through Aon. It is greatly valued that you are pleased with the level of service and coverage you receive.
What should I do if I have not received my certificate of currency or renewal offer/documents?
Please accept our apologies. at Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please contact us on 1800 806 584 or email@example.com and we will look to send your documents as soon as possible
What are your opening hours?
Our opening hours are 8.30 a.m. to 5.00 p.m. Monday to Friday (except public holidays). If you need to contact us out of hours you can email us at firstname.lastname@example.org and we will pick up your query on the next business day.
2Cover is worldwide, unless otherwise specified in your policy schedule.
3We can arrange cover for drones as part of photographer’s insurance policies for equipment and public liability. We can arrange cover for drones up to 5kgs and up to $5,000 in value. Under the equipment insurance, cover is provided for your drones for damage and theft everywhere in the world, even when in use. The drone cover included as an extension to the Public Liability policy can provide cover should you injure someone or damage third-party property whilst operating the drone. Drone claims will attract an excess of $1,000. There are also some conditions applied to ensure you are complying with CASA regulations which we will include in our documentation to you when you apply for the extension.
Insurance Package for Photographers is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 as agent for the insurer, AAI Limited t/a Vero Insurance, ABN 48 005 297 807, AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.