Professional Indemnity Insurance For Photographer

Professional Indemnity Insurance For Photographer

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Insurance for Photographers

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Insurance by Industry

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What is Professional Indemnity Insurance?

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Tradie Guide to Professional Indemnity Insurance

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Professional Indemnity

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Understanding the risks for Real Estate Agents

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Insurance for IT Professionals

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Insurance for Mortgage Brokers

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Insurance for Immigration Advisers

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Insurance for Consultants

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Insurance for Bookkeepers

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Insurance for Architects & Designers

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Insurance for Real Estate Agents

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Insurance for Engineers

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Insurance for Allied Health Professionals

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Insurance for Accountants & Tax Agents

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Insurance for Travel Agents and Tour Operators

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Insurance for Recruitment Consultants

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Insurance for Personal Trainers

... where you are faced with a claim. That's why Professional Indemnity insurance becomes an important cover to consider. Professional Indemnity (PI) insurance is an important form of protection for businesses that provide ...

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Insurance for Beauty Salons

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Insurance for Counsellors

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How Accountancy Insurance Protects Your Business

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How Insurance Can Protect Landscape Architect

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Insurance for Sole Traders

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Insurance for Contractors

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Insurance for Psychologists

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Insurance for Carpenters

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Insurance for Designers

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Insurance for Education Consultants

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Public Liability Insurance

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BizCover and NSNZ

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Business Insurance FAQs

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BizCover and Reflexology NZ

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Turn your side hustle into a small business

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How To Start a Psychology Practice

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What Risks Do Psychologists Face?

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What are the Risks in Running a Yoga Studio?

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Hair Salon Business Tips

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What Insurance Policies do Yoga Studios Need?

... advice or them misinterpreting your instructions could lead to a negligence claim (even an unfounded one). Professional Indemnity insurance offers important protections for businesses that provide specialist services or ...

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What Insurance do Beauty Salons Need?

... you are a member of the New Zealand Association of Registered Beauty Professionals (or want to be), you must have Professional Indemnity insurance. Other forms of coverage, such as Public Liability, may be a requirement ...

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Do Hypnotherapists need Business Insurance?

... loss if that advice is misinterpreted, or they feel you acted negligently while treating them. Professional Indemnity insurance covers you for losses claimed by a third party due to alleged or actual negligence in ...

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Business Insurance Health Check Part 2

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Insurance for Yoga Teachers

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Insurance for Mechanics

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Help Protect your small business' reputation

... reputation too. And let's face it, we are all human and mistakes do happen. Fortunately, Professional Indemnity insurance is designed to protect your business should you or your staff make an error, omission, or, breach ...

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Insurance for Shop Owners

... your customers with products, if you provide professional advice or services you may want to consider Professional Indemnity insurance*. Professional Indemnity (PI) insurance is an important form of protection for ...

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What does Public Liability Insurance Cover?

... , or cause illness or injury that is not covered by the Accident Compensation Commission (ACC). Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or ...

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BizCover and Massage New Zealand

... Professional Indemnity , Public Liability , Statutory Liability and Employers Liability . Professional Indemnity ... to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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BizCover & NZTA

... during checkout. Protect your business today. Professional Indemnity Insurance for Tutors We're not trying to ... omissions involving a breach of your professional duty. Having the right PI cover offers you peace of mind ...

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Why You Should Review Your Business Insurance

... of actual or alleged negligent acts or omissions in the provision of your professional service or advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing ...

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Work Smarter as a Massage Therapist

... in financial damage to the client, you could be liable to have a claim made against you. Professional Indemnity insurance can protect you against losses claimed by a third party due to alleged or actual negligence or ...

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How to Market Your Hair Salon Business

... . To be considered a member of the non-profit organisation, you must hold an active Professional Indemnity insurance* policy. Professional Indemnity cover is designed to protect your business against negligence or ...

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4 Tips For Starting An Online Business

... perhaps even more essential. Having small business insurance in place can help protect your online business ... professional advice, you have a duty of care to your clients. This is where a Professional Indemnity policy ...

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Insurance for Massage Therapy

... to negligence claims that could potentially cripple your small business and ruin your reputation. Professional Indemnity (PI) insurance covers you for losses claimed by a third party due to actual or alleged negligence ...

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How much does Public Liability Insurance cost?

... negotiated with our insurers to combine Professional Indemnity and Public Liability cover which offer much more competitive premiums. It is also important to note that each insurance company assesses risk in different ...

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What is Public Liability Insurance?

... small business needs. The difference between public liability and professional indemnity insurance - Public Liability and Professional Indemnity insurance provide different forms of protection to small businesses that ...

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Statutory Liability Insurance

... Indemnity insurance 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. PI Insurance ...

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How to Start a Sole Trader Business

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How To Start An Engineering Firm

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BizCover and Boost Your Business

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Guide To Setting Up A Massage Business At Home

... therapists can come in many forms but generally there are two types of insurance products you may want to consider. Professional Indemnity insurance * is a type of cover that is designed to protect you from claims ...

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Reviews related to Professional Indemnity Insurance For Photographer

  • It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me. Definitely r

    Patricia Copp
    Consultancy Occupations

Related insurance topics:

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.

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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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