Affordable Photographer Insurance NZ

Affordable Photographer Insurance NZ

    • Coverage for photography equipment
    • Compare quotes instantly from leading insurers
    • Instant online purchase – no paperwork

Insurance for Photographers

... . Insurers will use a variety of factors to calculate your insurance premiums for photographer's insurance, videographer's insurance or wedding photography insurance. These factors may include: Where you work - As in ...

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What is Business Insurance

... or tools to perform your job, like tradies and photographers for example, you can't be caught without them. ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

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Insurance by Industry

... Brokers Painters Personal Trainers Photographers Plumbers Psychologist Real Estate ... find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service portal ...

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Do Dog Walkers Need Insurance?

... can help foot the bill for you. Now running your business is truly a walk in the park! Does looking for insurance make you feel like you're chasing your own tail? Let BizCover help! We make it quick and easy to find ...

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How much does Public Liability Insurance cost?

... to around $80 on average. The most common level of cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option to take out $2, $5, $10 or $20 million worth of ...

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What does business insurance cover

... to our friendly team to get a quote. Get more information Find out more about all thing business and insurance with our blog. These are some articles that may help provide some tips and tricks when it comes to running ...

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What is Professional Indemnity Insurance?

... in front of the judge, make sure it's not costing you an arm and a leg! What does Professional Indemnity insurance cover?* There's a lot that could go wrong when you're in the business of providing advice or professional ...

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Cyber Liability Insurance

... cybercrime event were to occur. Get more information If you would like to learn more about all things business insurance or perhaps brush up on some tips to help your small business save time and money, head to our blog ...

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Statutory Liability Insurance

... you need to keep in mind when getting your policies sorted. https://www.bizcover.co.nz/complete-guide-to-business-insurance/ 10 Ways to help protect your small business Let's face it, as a small business owner you are ...

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Insurance Options for Retailers

... store or a bakery, there is always the potential risk for things to go wrong. Having the appropriate retailers insurance in place to protect your retail store is a smart move when it comes to managing the risk of your ...

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Insurance For Cafes and Restaurants

... a moment to treat yourself to that hard-earned coffee break. Insurance options for retailers https://www.bizcover.co.nz/insurance-options-for-retailers-bizcover/ Running a retail business is fast paced with plenty going ...

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Employers Liability Insurance

... businesses tick. It's a match made in heaven! We won't bore you with jargon We're not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere. How do ...

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Insurance for Bookkeepers

... We know you are always busy helping your clients, therefore we made it easy for you to arrange your business insurance - just a few clicks and one phone call, you have your policy documents emailed to your inbox. Did you ...

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Insurance for Engineers

... * in place If you are working out on site, it may be a requirement that you have your own Public Liability insurance* cover in place. Be sure to also check the exact level of cover that you need too When you are out ...

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Insurance for Allied Health Professionals

... our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service portal, where you can download your Certificate of ...

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Business Insurance FAQs

... needed to make a potential claim, a drama no business owner wants to be faced with! It's no secret that insurance can sometimes be a bit confusing and like a language of its own right? We don't believe in using jargon ...

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Insurance for Personal Trainers

... Equipment cover* Don't sweat the small stuff when it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do the crunches when it comes to providing a competitive quote ...

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Public Liability Insurance Explained

... pockets (and some) because you tried to save a bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the risk to your businesses is such that you would go out ...

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What Insurance Policies do Yoga Studios Need?

... include (but are not limited to): Your location A yoga studio in a nice part of town may pay less for yoga insurance than one in an area with a higher crime rate. You may also pay more if your studio is in an area prone ...

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Tradie Guide to Professional Indemnity Insurance

... 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. © 2022 BizCover ...

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Tradies Guide to Business Insurance Packages

... no two days on the job are the same, and when a spanner gets thrown into the works, that's where tradie insurance can help. You may run a one-man band or have a group of tradespeople helping you get the job the done ...

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How Accountancy Insurance Protects Your Business

... 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. © 2023 BizCover ...

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How Are Business Insurance Premiums Calculated?

... risk your business may be. Business location Where your business is located can affect the pricing of your business insurance premium. Some areas may be deemed a higher risk than others and this may be due to things like ...

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Insurance for Contractors

... , you're not considered an employee. This means that you may not be fully covered by your client's insurance policies while you're on the job. This is why many clients require the contractors and subcontractors they hire ...

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Insurance for Psychologists

... our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service portal, where you can download your Certificate of ...

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Insurance for Massage Therapy

... our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service portal, where you can download your Certificate of ...

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Tradie Guide to Public Liability Insurance

... may be a mandatory requirement in order to obtain your trade licence. You may need to hold Public Liability insurance to access and perform trade work on certain building sites. If someone is injured as a result of your ...

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Do Hypnotherapists need Business Insurance?

... hypnotherapists work from a home office and may not worry about the types of risks that Public Liability insurance covers. However, a patient can be injured or have their personal belongings damaged in a home office just ...

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Introducing Work From Home Insurance

... with an inappropriate screen name Work as we know it may never be the same. Get your work from home insurance before your next meeting goes wrong—available April 1st only. *Don't get caught on April Fool's Day Protect ...

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What does Public Liability Insurance Cover?

... illness or death caused by your negligence that is not covered by the ACC For some businesses, Public Liability insurance may be a requirement. For example for some tradies they may have to have a certain level of Public ...

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What does Public Liability Insurance Cover?

... of accidents could occur, and what could be the potential cost of a claim? How do I make a claim on my insurance policy? Need to make a claim? No dramas! We're here to assist you through the process and get you back to ...

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Public Liability Insurance

... clients rely on you to get the job done, a mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations. Accidents can ...

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What is Public Liability Insurance?

... pockets (and some) because you tried to save a bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the risk to your businesses is such that you would go out ...

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Insurance for IT Professionals

... to be fixed by another firm, as well as the resulting damage from the error. How do I make a claim on my insurance policy? Need to make a claim? Too easy! We're here to assist you through the process and get you back to ...

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Complete Guide to Business Insurance

... is different, with their own unique factors and risk. There isn't a one-size fits all type of business insurance coverage, but there are a few things that you can keep in mind when trying to work out your coverage ...

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What Is Inside A Business Insurance Pack?

... in making the process to get your cover sorted easy and simple, with no-dramas! Visit bizcover.co.nz and get insurance for your small business without the stress so you can get on with your day. Get on the phone and give ...

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Do I need Business Insurance

... - this is a pretty obvious one, and a big kind of risk you need to think about when not having an insurance policy in place. The scale of the financial impact can range from a large Public Liability claim for an injury ...

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It's Time for an Insurance Health Check!

... where you want the business to be? Any changes in your business mean that there may be considerations for your insurance . Firstly, do you have the right types of cover and levels of cover? For example, if your business ...

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How Cyber Insurance Protects Small Businesses

... in exchange for a release of the information or a return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small business from some of the unwanted challenges of the online ...

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Cyber Insurance - Is it worth it?

... employee with a grudge, you may not be coveredby your Business Interruption policy.This is where Cyber Liability insurance provides cover. Cybercrime is a real threat. Make sure you have the right cover in place We live ...

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Do I need Public Liability Insurance?

... help provide much needed protection against unforeseen costs, such as compensation and legal fees. Without having Public Liability insurance , your business is at risk of having to pay in full damages in the event it is ...

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Retailer Insurance

... our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service portal, where you can download your Certificate of ...

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Insurance for Hairdressers

... by your business activities to a third party It may also be a requirement to have certain kinds of business insurance in place as part of your rental agreement e.g., Public Liability or Glass cover. FAQ's How much does ...

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Understanding Employers Liability Insurance

... and to be in business for the long run. Things like Public Liability, Professional Indemnity and other Business Insurance options*, help protect different areas of your business. There isn't a one size fits all when it ...

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Why You Should Review Your Business Insurance

... campaigns and accounting just to name a few. But one thing which shouldn't be forgotten is reviewing your business insurance. It's often one of those set and forget things that we just do, but in the event that you ...

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Cyber Liability Insurance Explained

... 't believe in making things difficult, so there's no paperwork required or messy forms to fill out. Experience insurance made easy today and see how we can help protect your business . * The information provided on this ...

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Reviews related to Affordable Photographer Insurance NZ

  • Highly recommended way of doing business insurance with out hassles and cost effective

    Peter Digby
    Manufacturing

  • IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE

    Janette Wallbutton
    Real Estate

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett
    Medical

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

    Layla Dowthwaite
    Consultancy Occupations

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

  • The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover

    Quentin Duff
    Trades & Services

Did you Know?

Portable Equipment covers you for loss or damage of laptops and mobile phones anywhere in the world.

Insurance for Photographers

There are many unique risks that photographers and videographers often face during a photography session. Don’t let an accident, damaged equipment or other mishap hit pause on your small business. Consider the big picture by protecting yourself with Photographers and Videographers Insurance.

Public Liability*

Photography can often involve loads of expensive equipment. You may have cords taped to the ground, big screens erected, and you may be working with hot lights. All of these pose an opportunity to cause injury to other people. Accidents, injuries and property damage can also arise in the most unlikely of ways for photographers. What would you do if you were to spill your morning coffee on the stylist’s vintage handbag? Or the model was to stumble and break a bone as you were directing their movements?

Often referred to as General Liability insurance, 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 (and not covered by the Accident Compensation Commission) or sustaining property damage as a result of your negligent business activities.

Public Liability insurance also picks up legal costs that you may incur while defending yourself from a covered claim.

What is covered?

Third-party liability claims can quickly develop into more than just a headache for photographers and videographers. Luckily, Public Liability commonly covers many potential risks that you may face, including:

  • Third-party property damage
  • Damage to a third-party’s property that results in financial loss
  • Injury, illness or death caused by your negligence (not covered by the ACC)

What is not covered?

Public Liability insurance does not cover:

  • Injuries sustained by your employees
  • Damage to your own property
  • Compensation for injuries that are covered by the ACC

Things to think about when considering Public Liability Insurance

Photographers and videographers often meet their clients in different locations. You may work with them in your own studio, in their homes, at a wedding venue, in a park, on the beach or any number of other locales. While this can be an exciting part of being a photographer, it can also open you up to more risk.

Accidents happen, and they might be more likely to occur in unfamiliar locations where you may have less control over the setup and other factors. However, mishaps can also happen in places you’re familiar with, even when you’re being extra careful. Public Liability helps protect your business from the unexpected, so you can focus on capturing your clients’ special moments.

Protect your business today.

Portable Equipment Cover*

To make the most of your skills and talents as a photographer, it pays to invest in quality equipment. This can include your camera gear (i.e., a professional camera, multiple lenses, tripod, and filters), backdrops and a powerful computer for editing. Your portable equipment may cost thousands or even tens of thousands of dollars.

It goes without saying that taking your camera gear and other photography equipment from location to location means there is a potential for loss or damage to occur. You could lose or misplace some or all of your equipment, or it could become stolen or damaged. And without your equipment, you would be unable to work, costing yourself and your clients money and even harming your reputation.

You should also ask yourself if you would be able to replace your equipment should anything happen to it. Would you be able to replace it immediately? Would you have to take on credit card debt to do so? How would suddenly replacing your camera gear and other equipment affect your finances?

Portable Equipment 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 is covered?

Portable Equipment Cover typically covers loss or damage caused by:

  • Fire, storm, water, explosion, impact or malicious damage
  • Accidental damage
  • A vehicle collision or overturning
  • Theft occurring after forcible and violent entry to locked buildings or locked vehicles
  • Theft of equipment that is securely attached to a vehicle with locks or padlocks

What is not covered?

Portable Equipment Cover does not cover loss or damage caused by:

  • Normal wear and tear or gradually developing conditions
  • Cracking, scratching, marring or breakage of glass or fragile items or surfaces
  • Rust, oxidation, mildew, mould, moths, insects, vermin, dry rot, contamination or pollution
  • Heating, drying, cleaning, dyeing or altering any insured item
  • Faulty workmanship or materials
  • Employee theft
  • Unexplained shortages in your inventory

How much does Insurance for Photographers cost?

Every photo you take or video you record is unique and special—and so is your small business. Insurers will use a variety of factors to calculate your insurance premiums for photographer’s insurance, videographer’s insurance or wedding photography insurance. These factors may include:

  • Where you work – As in, the geographic area where you do business.
  • The size of your business – Usually measured by your annual revenue or turnover.
  • Your history of claims – Previous insurance claims may indicate a higher level of risk for the insurer.
  • The cover amount chosen – How much cover you want or need for your business.

 

Your answers to these and other questions will likely be different to other photographers and videographers, even one working just down the street. This means that premiums can vary widely from business to business. Often, comparing quotes from multiple insurers can help you get a better idea of how much insurance for your specific business needs will cost.

It’s easy to do just that with BizCover! Enter your details once to compare multiple quotes in minutes. See a policy you like? Buying is just as easy, with policy documents sent to your inbox instantly after purchase.
Picture your business better protected with business insurance—and you with more time to develop your growing enterprise!

Things to think about when considering Portable Equipment Cover

There are many things to consider if you’re deciding whether to add Portable Equipment Cover to your photographer’s insurance, videographer’s insurance, or wedding photography insurance. It may help to ask yourself these questions as you decide what type of cover you may need or want:

  • Does your business rely on portable property (such as your camera gear, other photography equipment, or tools)?
  • Would having to replace or repair of the equipment put your business under financial stress?
  • Is your portable equipment stored in the open air or is it secured?
  • Do you have the means to secure your portable equipment, both in your studio and work vehicle? Your policy wording is likely to explain how your portable property is required to be securely stored for it to be covered by your insurance.

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

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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