Business Insurance for Photographers

Find the most suitable business insurance for photographers by comparing quotes here with Savvy  

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, updated on August 1st, 2023       

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We’ve partnered with BizCover to bring you a range of business insurance policies to help you compare them side by side.

Photographers heavily rely on their valuable cameras, drones, floodlights, and other electronic equipment to capture those crucial elusive moments. Therefore, having comprehensive insurance to protect these electronic assets is of utmost importance. Whether you are a photographer engaged in social, scientific, or commercial photography, you can now easily compare quotes for various types of business insurance right here with Savvy.

Whether you take pictures for social, scientific or commercial purposes, you can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about the nature of your business activities, and the insurance you're looking for, and almost instantly you’ll have multiple insurance quotes to consider. Use our 100% free comparison service to make sure you get the best value insurance for your photography business today.

What is business insurance for photographers, and do I really need it?

As a photographer, protecting your passion and profession with comprehensive business insurance is a wise and vital decision. Business insurance for photographers offers crucial financial protection against unforeseen risks and liabilities that could potentially disrupt your operations and livelihood. Whether you are a seasoned professional or just starting your photography venture, having the right insurance coverage can safeguard your assets and provide you with peace of mind.

Key benefits of business insurance for photographers in Australia:

Equipment protection insurance: As a photographer, your cameras, drones, floodlights, and other expensive gear are essential tools of your trade. Business insurance covers the cost of repair or replacement in case of damage, theft, or accidental loss.

Public liability insurance: In the photography business, accidents can happen, leading to property damage or injury to others. Public liability insurance covers legal expenses and compensation if you are found liable for such incidents.

Professional indemnity insurance: If a client alleges negligence or errors in your services, professional indemnity insurance can cover legal costs and any potential damages.

Business interruption: In case of unexpected events such as a fire at your studio or a natural disaster that hinders your photography activities, business interruption insurance can help cover lost income during downtime.

Drone insurance: Drone insurance is a form of equipment insurance that can be purchased as part of a business insurance package. It can cover loss or damage to your drone, the equipment you use to operate it and any business assets you carry using it. 

Cyber liability insurance: In the digital age, data breaches and cyber attacks are a real threat. Cyber liability insurance protects you against the financial consequences of cyber incidents, including data breaches and hacking attempts.

Personal accident cover: As a self-employed photographer, if you suffer an injury or illness that prevents you from working, personal accident cover can provide financial support during your recovery.

Do you really need business insurance for your photography business?

Unfortunately, there are plenty of things that can go wrong when taking photographs. Your equipment can get stolen or damaged, or you could accidentally damage someone else’s property whilst trying to capture that perfect angle. Business insurance offers protection just in case things do go wrong. 

Most small to medium-sized businesses have some contingency funds to see them through tough times, but they’re rarely sufficient to cover the cost of a major catastrophe. For example, if all your cameras and associated equipment were suddenly destroyed in a fire, you wouldn’t be able to continue running your business until they’re replaced. If this does happen and you have adequate insurance to protect your business equipment, you’ll have a much better chance of recovering and getting back on your feet quickly. 

While business insurance is not legally required for photographers in Australia, it is highly recommended to safeguard your assets and mitigate potential risks. Your photography equipment alone represents a significant investment, and any damage or loss could be financially devastating. Additionally, working with clients and the public exposes you to potential liability claims, making insurance a crucial safety net.

Choosing the right business insurance policy

When selecting insurance coverage for your photography business, consider the specific risks you face, the value of your equipment, and the nature of your photography services. Each photographer's needs are unique, so tailor your insurance policy to suit your individual requirements.

In conclusion, business insurance for photographers in Australia is a valuable and essential asset. Protecting your equipment, finances, and professional reputation through comprehensive insurance coverage ensures that your photography venture thrives, even in the face of unexpected challenges. With the right insurance protection, you can focus on capturing beautiful moments while leaving your worries behind.

Types of business insurance

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Frequently asked questions about business insurance for photographers

If I’m using a drone to take wedding photographs, does it have to be registered?

Yes – if your drone weighs over 2kg, it must be registered with the Civil Aviation Authority and you’ll be issued a licencing number which must be displayed on the aircraft when it’s in use. 

Do I still need insurance if I’m taking photographs for a one-off event?

If you’re just taking photographs for a single event, rather than receiving ongoing payments for your services as a professional photographer, you may not need to take out business insurance. However, this will depend on the nature of the event and the risks which may be present in this role. There may be options available to you, with certain insurers offering insurance such as public liability cover for one-off events. 

What information will I need to make a claim?

The information you should have to hand when you contact your insurance company to make a claim will include: 

  • The name of the policyholder 
  • Your policy number and start date (which can be found on your Certificate of Currency) 
  • A detailed description of the incident (what happened to cause the damage or loss) 
  • Specific dates and times when the incident happened 
  • Contact details of any other parties involved (or witnesses to the event) 
  • Details of your police report number (if a crime took place) 
  • Details of the property lost or damaged (including its age and value) 
  • Your bank details for settling the claim 
Are my business insurance premiums as a photographer tax-deductible? 

The Australian Taxation Office recognises that having business insurance is a legitimate cost of doing business, so the full cost of your insurance premiums can generally be claimed as a business expense and offset against your income. However, it’s worth seeking independent tax advice to find out what you can and can’t claim in relation to your business insurance.  

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Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.

Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.

Business insurance for photographers

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