Photographers Insurance

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Business Insurance for Professional Photographers*

Are you a freelancersole –tradercontractor or small business that provides professional photography services to commercial or retail clients?

If your retail or commercial photography work involves any of the following activities you’ve come to the SMART place to cover your business activities.

  • Portrait photographers
  • Mobile photographers
  • Retail photographers
  • Sports photographers
  • Photographers who specialize in weddings, religious ceremonies, or school photographs
  • Commercial photographers
  • Industrial photographers
  • Landscape photographers
  • Scientific photographers
  • News photographers,
  • Photojournalists
  • Fine arts photographers
  • Freelance photographer
  • Video production
  • Video camera operators
  • Freelance TV, movie camera operators

Many Photograhers are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Photograhers can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Photographers Insurance ANSWERED:*

There are a number of suitable business insurances we may be able to find an affordable quote for you on.

  • Professional indemnity – for professional photographers professional indemnity insurance can help pay damages suffered by a client based upon your services, advice or negligence. It may also cover legal bills for ambient claims against you when you have done nothing wrong. Photography is an emotive art and in Australia there are many instances of clients seeking damages from professional photographers.
  • Public Liability : public liability is a core business insurance cover – its required for all types of businesses big and small- including photographers to cover you against damage to a third person or their property
  • General Property – eg: loss of laptops, computer equipment.
  • Equipment Insurance- eg .loss or damage to cameras, lenses , and lighting
  • Business Interruption – to protect against loss of business income.
  • The last four business insurances: public liability, general property, equipment and business interruption may be able to bundled into a “business pack” for affordability and ease of managing.

Your enquiries will be handled quickly, efficiently and cost effectively.

At SMART we aim to treat each of our clients with a friendly and personal touch. Monthly payments are available.

We talk to sole traders, contractors and small businesses all over Australia and provide business insurance quotes for them every working day.

Depending on the nature of the your professional photography services and the clients you work for different insurance companies and underwriters are likely to provide suitable cover and competitive prices.

Our SMART insurance brokers can help you find suitable cover for your graphic design activities and scale for at a reasonable cost.

For an affordable quote on suitable insurance cover for your graphic design activities TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online.

Photography business insurance cover an cover a wide range of risks a photographer facing while performing their activities.

  • Professional indemnity
  • Public liability
  • Equipment cover
  • General property
  • Business Interruption
  • Small business “business pack”
  • Personal health and sickness

Typically, professional photographers do need insurance. Ultimately, it’s up to each professional photographer, studio head , or small business to decide what cover they need and what cover you can afford. Where you are located ( home or office ), number of staff (sole trader or business with employees ) and type of clients ( direct, large or small, agencies, retail , commercial ) are some of the factors that will influence your cover choices.

As a photographer you may be able to protect your business and personal assets with the range of covers listed above. The team at SMART Business Insurance can assist in answering any of your coverage questions and help your find suitable and affordable insurance for your professional photography activities.

  • Professional indemnity insurance for professional photographers , also known as errors and omission insurance, is a key cover requirement that will help you sleep easier at night. When a client’s project goes wrong, and/or they don’t meet their objectives, the client may come looking for someone to blame and foot the bill. You could end up liable for a bill far greater than the fees you charged. If there is another party between you and the client, such as an advertising agency, the lines of responsibility become even more blurred. Who is responsible? Upset a retail client? Professional indemnity insurance may cover damages and legal bills for professional photographers.

  • Self-employed professional photographers working as sole traders are responsible for their own health insurance. As a professional photographer, not being able to work because of accident or sickness, may mean that you are not earning any income. To help pay the bills when you are unable to work you should strongly consider personal accident and sickness or income protection insurance. For more information contact a SMART Business Insurance broker on 1300 542 573 or contact us online.


Want guidance on Photographers Insurance coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.