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There’s more to the photography industry than meets the eye, or the lens.

A lot of effort goes into running a photography business. The average job includes planning the photoshoot, packing and unpacking your equipment, spending hours behind the lens and then more hours editing and processing your work. If something goes wrong with any of these tasks, you could be left significantly out of pocket.

This is why you should make sure to cover your business as much as possible. Business insurance is a worthwhile investment that can help you protect all that effort you put into your passion.

What is business insurance for photographers?

Like other business owners, photographers can purchase cover to protect themselves against liability and damage to their equipment.

You can usually get insurance for your photography business from any provider that offers business insurance products but there may be specialist providers who cater specifically to photographers.

What types of business insurance might a photographer need?

There are many different types of business insurance available to choose from. However, photographers should particularly consider public liability insurance and professional indemnity.

Public Liability insurance* is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities. For example, if a client came to your photography studio and injured themselves on equipment left lying around, your public liability insurance would be there to cover the costs.

Professional indemnity insurance* offers protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. For photographers, this might mean you’ve been hired for a job by a client but then lose the images. If your client decides to claim for damages, your professional indemnity should cover the cost of the claim.

As well as these two types of business insurance, some photographers also take out policies like management liability insurance*, cyber liability insurance* and statutory liability insurance*. Additional coverage you may want would likely depend on the area of photography you work in (e.g. aerial photography).

photography team and equipment

Insurance for photography equipment

Equally important as insuring your photography business is insuring your equipment. Photography equipment can cost thousands of dollars to buy and replace, so you don’t want to be left high and dry if a vital piece of equipment crashes out of action.

You can help prevent this scenario by insuring your photography equipment with a business insurance package* that includes portable contents or an electronic equipment cover. Some specialist providers may also offer specific camera insurance products. Still, a photographer’s gear includes more than just the camera, so it’s a good idea to evaluate what you need covered and which policy would suit you.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.

What does business insurance for photography cover and exclude?

There are several types of insurance you can take out for your photography business, each covering different things. We’ve outlined some of the inclusions and exclusions typically found in public liability and professional indemnity policies in the table below.

Public liabilityProfessional indemnity
What’s covered
  • Costs that arise from legal defence or settlements when a third party claims against you
  • Compensation payments for injury, loss or damage to a third party or their property
  • The liability of people working on your behalf (e.g. employees, business partners)
  • Breaches of your professional duty (including professional services as well as confidentiality)
  • Damages caused by the professional negligence of your employees
  • Legal fees resulting from defence or settlements
What’s not covered
  • Injured employees (covered by workers compensation)
  • Damage or loss to your property
  • Claims involving asbestos
  • Injured employees (covered by workers compensation)
  • Deliberate acts by the insured person causing damage, loss or injury
  • Payment of your fees

Frequently asked questions

How much does photography insurance cost?

The cost of business insurance will vary between policies. This is because no two businesses are the same and each will need different levels of cover. Business insurance providers will consider factors such as annual income and number of employees when calculating premiums.

If you’d like to know how much you might potentially pay to insure your photography business, you can use our comparison service to compare and quote policies.

Can I get business insurance for one day?

You can get business insurance for one-off occasions and events. This will usually be a public liability policy, but you can take out management liability insurance and professional indemnity cover as well. You may even have a choice of optional extras – like equipment cover – with your policy.

Why should I consider getting insurance for my photography business?

While business insurance isn’t required by law in Australia it’s still a vital option to consider when running a business. You never know when a wronged client might claim against you or when you’ll need to replace your expensive photography equipment after an accident.

Cover your photography business today!

Whether you’re just starting your photography business, or you’re an established photographer looking for a new policy, an easy way to get photography insurance is by comparing your options.

Our free business insurance comparison service can help you with this step. Just enter in a few details about your business, select the type of insurance you want and the options from our insurance partners will be available for you to compare!

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