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Insurance for Photographers

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Or Call 1800 806 584
Mon – Fri 8:30am - 5:30pm AET

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.

Don’t just insure, be sure

Business insurance can be complicated. What you think you’re paying for isn’t always what you get. As a broker and Photographers insurance specialist, Aon helps you find a policy customised for the common risk of your industry so you’re more confident that you’ve found the right type of insurance for your business. 
 
Photographers Insurance Options through Aon
Package A: Equipment cover
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Get a quote
This protects your portable equipment from theft and damage while in and away from your office or studio. Equipment covered includes cameras; lenses; lighting equipment; computers and hard drive and drones. The photographers equipment insurance we arrange includes worldwide cover if your equipment is accidentally lost, stolen or damaged.2
Package B: Equipment and Public Liability cover
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Get a quote
This includes Package A plus Public Liability Cover1. Public Liability Insurance includes cover for your legal liability for third party property damage and/or bodily injury arising from your business activities. The Public Liability Insurance arranged through Aon has a Limit of Liability of $20 million.
Package C: Equipment, Public Liability and Studio cover
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Get a quote
This includes Package B plus Studio cover1
  • 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
FAQs
Frequently Asked Questions
Here are answers to some commonly asked questions by Photographers.
Do professional photographers need Public Liability Insurance?
Public Liability is an important cover for any business that has interaction with members of the public. A member of the public could walk onto a shoot or into your studio and trip, slip, or fall on a piece of your equipment, causing themselves bodily injury and/or damage to their property.

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
Do professional photographers need Studio Insurance?
If you have a home studio your domestic policy may not extend to cover your studio. You may also need studio insurance if you have a separate commercial studio and it is not currently insured. There are plenty of risks associated with owning a studio, from fire and property damage, through to broken windows.

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
Am I able to cover equipment that I hire temporarily?
Yes, upon prior notice, we may be able to arrange to add hired equipment onto your policy for an additional premium.
Explore more FAQs
Can I pay my premium on a monthly basis?
We are able to arrange periodical payment solutions including monthly payment through our premium funding option. This option is not available through our online quoting system, so if you are interested in premium funding, we ask that you please contact our Entertainment team on 1800 806 584 or au.entertainment@aon.com

Is camera equipment covered whilst in use underwater?
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 au.entertainment@aon.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 au.entertainment@aon.com and we will pick up your query on the next business day.
Talk to our specialists
Prefer to discuss before you buy? Our team of insurance specialists are here to answer all your questions over the phone.
Call: 1800 806 584

Why Aon for Photographers Insurance?

Don't just insure, be sure.

Right types of cover

  • Aon arranges Insurance tailored to protect against common risks in the Photographers industry
  • We help you to understand how your policy protects against the common risks as a Photographer
  • Competitive premiums thanks to Aon’s scale and influence.

Specialist support

  • A team of experienced Photographers insurance specialists to help you at every step
  • We help you make claims and advocate on your behalf
  • Australian based teams. 

Easy to manage

  • Quotes online or over the phone on 1800 806 584
  • Options to take out premium funding loans to pay monthly. Fees and charges will apply 
  • Adjust your policy any time. Terms and conditions may apply
  • Easy renewal management
  • Online requests for certificates of insurance.

Rely on Aon’s industry expertise in Photographers insurance

Business insurance can be complicated. What you think you’re paying for isn’t always what you get. At Aon, we want you to feel confident you’ve made a smart decision for your business insurance needs.

As SME specialists for Photographers insurance, we understand the risks that professionals like your face and how to insure against them. We know insurance policies and understand that the detail of your policy wording is critical to providing the type of cover your small business needs. That’s why we help you by arranging policies customised for the common risks of your industry.

Our team of Australian-based SME insurance experts are here to support you and your business every step of the way. We’ll give you access to the relevant information required to help you understand the cover options available to you so you can feel more informed about your choice of insurance.

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Insurance

Other covers to consider

View other insurance policies arranged through Aon for Photographers.
Workers’ Compensation
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Get a quote
Workers’ Compensation Insurance covers an Employer’s liability to a worker for injuries arising out of their employment. Workers’ Compensation Insurance is mandatory but the requirements and legislation varies between the different States and Territories so you should check before making a decision.
Learn more
Personal Accident
Get a quote
Get a quote
Personal Accident insurance can protect you in the event of accidental injury, providing a lump sum payment or covering your loss of income to help give you the financial support you need.2

Depending on your individual needs and circumstances, Personal Accident insurance can be tailored to cover you for injuries sustained at work, on your journey to work, and/or anywhere, covering you 24/7.

Everyone’s professional and personal circumstances are different, and that’s why it’s important to get the right insurance mix to support your individual needs. If you would like to find out more about insurance coverage, please contact the Aon team on 1800 806 584.
Learn more
Car and Home Insurance
1300 134 256
1300 134 256
Aon arrange a variety of personal insurance products for our clients including Home, Contents, Motor, Landlords, Boat and Caravan insurance.

If you like to keep all your insurances in one place, please talk to one of our advisors about our options and pricing.
Learn more

Contact

Get in touch with our specialists

Call 1800 806 584

8:30am - 5:00pm AET
Mon - Fri (except public holidays)

Email us

entertainment.australia@aon.com
1Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.

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.