Insurance For Photographers
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Photography is an exciting and rewarding career for many creatives in Australia. As a photographer, you help others capture important moments, express ideas, and promote their business or products. There’s great flexibility in the jobs you take and the clients you choose to work with.
But let’s be candid—this freedom and creativity also come with risk. Photographers typically work with the public, whether you’re shooting in a studio or on location. Insurance could help you manage potential risks so your small business isn’t left exposed to dangers.
There are many types of photographer’s insurance you might consider as a creative professional. Different policies can help you manage a selection of potentially expensive claims that could be brought against you.
Insurance for photographers may also help boost your professional reputation. Clients might be more likely to hire you for their event or project, knowing that you are serious about protecting your small business and your customers.
If you lease a photography studio, you may need a Public Liability insurance policy. Commercial landlords often require tenants to have a minimum level of coverage to rent office, studio, or warehouse space. You may be asked to show proof of your insurance to sign a lease.
Photographers consider many types of insurance to help deal with common one-the-job risks and exposures. Popular policy types include:
Photographers often find that Public Liability is an essential policy type for their small businesses.
Public Liability insurance covers compensation costs and legal fees if a customer, supplier, or member of the public claims that your alleged negligent business activity caused them injury or damage to their property.
Snapping photos may seem like a safe occupation, but there may be hidden dangers that could leave your business exposed. Photographers work in a variety of locations, both inside and outdoors. Tripping hazards and bright lights create the potential for a third party—such as a client, model, delivery person, or other members of the public—to be seriously injured.
As a photographer, you’re also on the move as you search for the best angles and lighting to get a perfect shot. You could accidentally damage someone else’s belongings as you move around, and your Public Liability policy would help cover the cost of fixing the situation.
Public Liability insurance typically covers legal fees and compensation related to:
Public Liability insurance does not cover:
Many professional service providers take out Professional Liability insurance to protect their small businesses, photographers included.
Professional Indemnity (PI) insurance is designed to respond to claims for losses that result from actual or alleged negligent acts or wrongdoing in the delivery of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.
Photographers may not give advice like accountants or real estate agents, for example, but a client could be unhappy with your work and file a claim that Professional Indemnity insurance might cover. A client may simply be disappointed in the photos you take for them and might sue because you didn’t meet their expectations. However, failing to meet a deadline, accidentally defaming someone, or loss of documentation could also lead to a PI claim.
Professional Indemnity Insurance typically covers non-intentional professional wrongdoing, such as:
Your Professional Indemnity policy will likely not cover:
As a photographer, you may consider protecting your camera and other equipment you need to do your job.
Portable Equipment insurance (also referred to as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.
What’s a photographer without their camera? If yours were stolen or damaged, it could cause a big disruption to your business. Portable Equipment insurance could help you replace your camera, as well as other important tools you need to get the job done. These might include:
Portable Equipment insurance could help you quickly replace the gear you need to work. Without it, you might end up scrambling to find the funds to buy new, expensive equipment. Instead of finding this money in your budget or taking on credit card debt, you can rest easy knowing that your insurance policy has you covered.
Portable Equipment insurance typically covers:
A Portable Equipment policy does not cover:
As a photographer, you may consider different types of insurance to protect your small business. Many factors might go into your decision making, such as:
With Public Liability Australia, you can find photographer’s insurance that fits the unique needs of your small business. There are many cover options to choose from, including Public Liability insurance, Portable Equipment coverage, and more.
No two photography businesses are the same, which is why we offer a variety of insurance policies to help you manage the risks that you face when while behind the camera.
Protecting your business is simple and easy. You’re just a few clicks or a phone call away from comparing multiple quotes from leading insurers across Australia.
* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
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