Insurance for Photographers and Videographers
Public Liability and Portable Equipment cover
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What is photography and videography insurance?
Photographers’ insurance is the cover options customised to meet the needs of professional photographers, videographers, and cinematographers. It can cover property damage claims, cameras and equipment, and other everyday risks.
Public Liability is the most common type of insurance for photographers and videographers. It is often required to work with clients, in specific venues, and to hire a studio for photoshoots.
Our insurance options can be tailored to meet your business needs.
Why do photographers need insurance?
Photographers often work in public spaces and unique venues. Accidental damage, injuries, and stolen equipment are just some of the risks that business insurance can help safeguard against.
Work with specific clients.
Hire studio space.
Stage shoots on council or private property.
Replace damaged or stolen cameras and gear.
Replace lost income if you’re injured and unable to work.
Who needs photography insurance?
Photography insurance can benefit a wide range of photographers and videographers working in the marketing, event, film, production, and entertainment industries, including:
Freelance Photographers
Photography Studios
Wedding and Event Photographers
Sports Photographers
Freelance Videographers
Wedding and Event Videographers
Movie and Film Producers
Aerial Photography Service
What does photography and videography insurance cover?
Photography and videography insurance can cover the cost of many common risks you may face on the job. Our Business Insurance Package combines Public Liability insurance with a range of cover options to protect your equipment, assets, and finances
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does photography insurance cost?
Business insurance for photographers and videographers costs $59 per month.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that works with the risks of your business
Photographers and videographers can choose Public Liability limits up to $20 million, Professional Indemnity up to $10 million and weekly Personal Accident & Illness limits up to $4,000.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
Photographers and videographers can choose Public Liability limits up to $20 million, Professional Indemnity up to $10 million and weekly Personal Accident & Illness limits up to $4,000.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
5 easy steps to get instant cover online today
Select Profession
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Other Photographers and Videographers Have Saved By Purchasing a Policy Through BizCover
Jessica
Bookkeeper from
VIC
Saved
$400
on
Professional Indemnity insurance
Brooke
Bookkeeper from
QLD
Saved
$200
on
Professional Indemnity insurance
Lisa
Bookkeeper from
VIC
Saved
$300
on
Professional Indemnity insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Yes, there are some circumstances when photography insurance may be mandatory to work. Public Liability insurance is commonly required to work with specific clients. It may be required to stage photo or video shoots on council or private property. If you lease commercial studio space, your landlord may require proof of Public Liability insurance.
Yes, limited cover is available for drone photography and videography by endorsement. It is not covered as standard under our policies. The BizCover team can assist if you are seeking cover for drone photography and videography.
Yes, part-time photographers and videographers may need insurance in some circumstances. A Public Liability policy may be required to work with clients or stage shoots on council or private property, regardless of the number of hours you’ll be working.
A certificate of currency is automatically emailed to you when you purchase insurance with BizCover. It is sent instantly after purchase, so you can prove you’re insured faster and with less hassle. Additional copies of your certificate of currency can be downloaded at any time through our customer portal.
Photographers can make a claim 24/7 with BizCover. Simply fill out our online claims form any time. Our claims team will manage your claim with the insurer on your behalf. You can track your claim and read updates through our claims portal.
Hear from our customers
Excellent and fast service
S Brown
Loved the service. Everything was so simple and easy to follow plus got the best quote. 5 STAR. Highly Recommended.
A Tariq
No problems are an excellent situation to be in.
Y Boikowski
Excellent very easy to apply, if only other companies provided an easy application service like you do
N Wheeler
No Problems easy to deal with
B Doolan
What a very smooth experience…great work and a great price on the quote!
P Daley
Simple, efficient and speedy
D Carr
The process was so quick, easy and the quote provided was HALF that of my previous insurer.
E Ortega
Real-life customer reviews verified by Feefo