As a photographer, you would appreciate that your equipment can be a considerable investment that may not automatically be covered under your home insurance policy, or may not be adequately insured under your existing policy. Whether you're at home, in a studio, or out on the road, you need to take steps to help ensure that your precious cameras and equipment will be covered against the risk of loss, theft or damage to the extent possible.
That's why we've teamed up with Aon, one of Australia's leading insurance brokers, to let you know about a broad and cost competitive Photographers' Insurance package which has been designed to meet the common and varying risks faced by both amateur and professional photographers.
Photographers Insurance in brief*
Wherever you go in the world, photographers insurance can help protect your cameras, lenses and all your portable photography equipment (including items like laptops, computers, tablets and mobiles, but not drones or unmanned aerial vehicles) for accidental loss and damage. You can tailor your policy to your needs by choosing your level of cover – $5k, $10k, $15k or $20k.
There's always a risk that you could cause an accident in the course of your work, and if someone should get injured, or their property damaged, you may face the risk of a legal claim. When you buy your photographers insurance, you can choose to add $20m public liability insurance to help protect cover you against such claims if such a situation should arise. Separate charges apply; please contact us for further information.
For professional photographers who work from a studio, a broad insurance package is offered that helps cover your portable photography equipment and public liability, as well as all the non-portable contents of your office and studio against risks such as fire, storm and accidental damage – all in a single package. Separate charges apply; please contact us for further information.
It's very quick and easy to buy photographers insurance cover. We will ask you to answer some simple questions about your needs to provide you with a quote, and if you qualify, you can buy cover right away in just four steps.
We know that you expect to know about high-quality products at affordable prices from 1300 Insurance, so we've teamed up with one of Australia's leading insurance brokers to let you know about Photographe''s insurance designed to address the common and varying risk needs of both amateur and professional photographers.
With broad cover for your portable camera equipment, and the option to add personal liability cover and protection for your studio and its contents, Photographer's insurance can be an easy, cost-effective way to help protect yourself and your precious equipment, so you can concentrate on what you do best – taking spectacular pictures.
Photographer's insurance provides cover for your portable equipment against loss, theft or accidental damage.. All you have to do is choose whether you want $5k, $10k, $15k or $20K cover – there's no need to provide an itemised list of equipment for items valued at $2,500 or less. Any equipment at this value and above will need to be declared. Please note that different charges may apply, depending on your chosen limit and chosen optional extras as set out below.
This photographer's insurance automatically covers your equipment anywhere in the world and you do not need to inform us if you are travelling overseas. You can even add temporary cover for hired equipment for an additional premium. Situations and circumstances of the need for photographers insurance can be complex and vary, be sure to check the PDS for full details of what is and is not covered. The PDS is available when you go online to get a quote.
Please note that drones and unmanned aerial vehicles are not automatically covered under our photographer's insurance cover, but please contact us as you may arrange a separate cover for these at an additional charge.
If you're looking for protection to help protect you against legal liability, you can simply add $20m in public liability cover to your policy at the click of a button. Separate charges apply;
If you own a photographic studio, there is a special package for you too, helping to cover your portable photographic equipment and public liability, plus your studio and contents. The studio package includes built-in protection against accidental damage and loss in the case of fire or natural disaster, with the option to add cover against theft, and for loss or damage to your glass windows, signs or showcases at an additional charge.
How to buy cover
Buying your photographers insurance couldn't be easier. Simply click here, then answer some quick questions about your needs, and you will be contacted with a quote. Your cover will start the instant your application is accepted and your policy documents issued.
Need to claim?
If your precious equipment gets damaged, or someone makes a liability claim against you, you need an insurance company that will act fast to help you. That's why we've partnered with one of Australia's leading insurers to bring you this policy.If your precious equipment gets damaged, or someone makes a liability claim against you, please refer to our claims page for assistance in lodging your claim.
This information has been prepared by 1300 Insurance Pty Ltd ABN 50 124 845 727 (1300 Insurance) in conjunction with Aon Risk Services Australia Limited ABN 17 000 434 720, AFSL 241141 (Aon). 1300 Insurance acts a referrer and is limited to providing factual information only about this cover. 1300 Insurance may receive remuneration that is a percentage of the premium if you decide to purchase this insurance.
The information contained on this page is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. So before deciding whether a particular product is right for you, please consider the relevant Product Disclosure Statement (if applicable) and full policy terms and conditions. If you have any queries, please use this contact form
1Prices vary based on GST and the stamp duty relating to your state.
*Full policy terms and conditions apply, including limits and exclusions.
Buying your photographer’s insurance through 1300 Insurance couldn’t be easier.
Simply click here, then answer some quick questions about your needs and you will be contacted with a quote.
Your cover will start the instant AON accepts your application and issues your policy documents.
In most cases, you can get photographer’s insurance on the spot, and have your cover in place within minutes. If your needs are more complex, one of AON’s friendly advisors will contact you to provide additional information or discuss your requirements in more detail.
Your cover will start the moment AON accepts your application and issues your policy documents.
If your precious equipment gets damaged, or someone makes a liability claim against you, you need an insurance company that will act fast to help you. That’s why we’ve partnered with one of Australia’s leading insurers to bring you this policy.
To make a claim, contact AON as quickly as possible by phone: 1800 806 584, email: [email protected], or post: PO Box 1331, Parramatta, 2124.
With AON photographer’s insurance, you can get automatic cover for your portable photographic equipment anywhere in the world. You can combine this with optional public liability cover and you can even protect hired equipment for an additional premium.
If you own a photographic studio there is a special package to cover not just your portable equipment, but also your studio and everything in it – with built-in protection against accidental damage and loss, plus the option to add cover for theft.
Conditions and limits apply to each type of cover – for full details, see the PDS.
The cost of your photographer’s insurance will depend on a number of factors, including:
- The value of equipment you wish to insure
- Which types of insurance you wish to take out
- If you’re taking out studio insurance, your location and what types of security measures you have in place
Before you buy any type of insurance, you have a duty of disclosure to tell the insurer anything you know and that a reasonable person in the circumstances would include in their answer, to any questions the insurer asks that are relevant to their decision to insure you and on what terms.
This duty applies until the insurer agrees to insure you. If you don’t comply, the insurer may cancel your contract, reduce the amount payable for a claim, or both. If your failure is fraudulent, the insurer can refuse a claim and treat the contract as if it never existed.
All the speciality insurance products we offer are underwritten by AON Risk Services Australia Limited | ABN 17 000 434 720 | AFSL 241141.
AON is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).
AON is a member of the Insurance Council of Australia and subscribes to the General Insurance Code of Practice.
Thanks for your question.
We try very hard to respond to every question we get in a timely manner, but if your question is urgent you might want to call us on 1300 467 872.
Specialist insurance products are made available through 1300 Insurance’s partnership with AON. 1300 Insurance has commercial arrangements with a number of insurance manufacturers and brokers in order to bring you quality low cost insurance options.