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Business

Insurance for photographers and camera equipment

Keep your equipment – and yourself – squarely in the picture with photographers insurance.

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1300 655 931

Cover we can arrange

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Starting from $230

12-Month Camera and Equipment Cover

Insurance for camera gear whilst on location, in transit or at your home base.

  • 12-month cover

  • Choice of cover limits

  • Worldwide cover for accidental damage, loss and theft (excluding Russia, Belarus and Ukraine)

  • Includes coverage of your camera bodies, lenses, lighting, filters, accessories and more

  • Up to 25% of your sum insured can be used for emergency equipment hire costs

  • Includes coverage for hired or borrowed equipment

  • Covers the cost of reshoots following loss or damage to your equipment whilst on-the-job (Conditions apply. See policy wording for more details.)

  • $250 excess for any one accidental damage, theft or loss claim

  • $500 excess for each and every claim in respect to Laptops, Computers, Tablets and Mobile Phones

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$505

12-Month Public Liability Cover

Cover for third party injury and property damage as a result of your negligence.

  • 12-month cover

  • Suitable for photographers, videographers and cinematographers

  • $20 million public and products liability cover

  • $2 million professional liability

  • Cover extended to include workshops, tuition and tours you may also conduct

  • Includes incidental drone use (subject to CASA regulations and other conditions)

  • Includes cover for uninsured photographers who might be contracted to work for you (Conditions apply. See Cover Policy Wording for details.)

  • Worldwide cover (excluding USA and Canada)*

  • *Cover for USA/Canada can be added for an additional premium (maximum of 45 days any one policy period)

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Starting from $735

12-Month Equipment and Liability Package

All the policy benefits of the Public Liability Cover plus Camera and Equipment Cover.

  • 12-Month cover

  • Different sum insured options available for Camera and Equipment Cover

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Why is insurance for photographers important?

Your camera and photography equipment are essential tools of trade. When you are on-the-job or heading to or from one, accidents can happen. Camera and Equipment Cover can help protect you by covering the costs of replacing equipment, or even the costs associated with needing to do a reshoot.

Another risk to consider is liability – the legal responsibility you have for any harm or damage that may occur during your photography sessions or as a result of your services. Liability insurance can help cover the costs of property damage, should you accidentally damage a client’s property while setting up for a shoot, for example. 

What insurance should photographers consider?

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Equipment

Have you made a significant investment in your equipment? Afterall, your camera is the lifeblood of your business. Choose standalone 12-Month Camera and Equipment Cover or combine with liability cover to give you greater peace of mind.

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Public liability

While you always strive to provide a safe and enjoyable experience for your clients, it’s important to be prepared. Protect your business, workers and clients with public liability insurance.

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Professional liability

Your reputation is everything in the photography industry. An unhappy client can significantly impact your business. If a client alleges that you made an error on location which caused an injury, professional liability insurance can help cover the costs of any legal claims.

Why choose photographers insurance with Marsh?

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75+ years’ experience

We have decades of combined experience tailoring insurance solutions for photographers and cinematographers, and passionate photographers among our ranks.

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Trusted in the industry

With hundreds of photographers already trusting Marsh to arrange their insurance, we understand your unique risk needs.

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Fast and comprehensive cover

Our quick and easy photography and camera equipment insurance solutions can get you covered in minutes – with a certificate of currency emailed to you instantly when applying online.

Frequently asked questions

Public liability insurance can help cover risks if someone is injured or their property is damaged in connection with your professional photography activities. 

If a client feels you were negligent in some way, they may seek compensation for their injuries or damaged property. 

A public liability policy may respond to that claim on your behalf.

Professional liability insurance can help protect you against personal injury or property damage claims made as a result of professional advice you have given to a third-party. 

The policy Marsh arranges may cover your equipment anywhere in the world for accidental damage and theft. Our online solution can provide cover for up to $50,000 worth of equipment. If you require higher amounts you can call us and we can provide a tailored quotation.

The policy can also provide up to 25% of the replacement cost of the damaged or lost item, so you can cover the costs of hiring equipment in case you needed it urgently whilst your claim is being processed.

Equipment that you buy, hire or borrow during the Policy Period is automatically covered. This is limited to 10% of the total insured limit.

A public liability policy can respond to claims for damage to a third party, not your own. If you need to protect your camera, lens and other equipment including lighting you can click here to purchase either the 12-Month Camera and Equipment Cover or 12-Month Equipment and Liability Package.

If an incident occurs, contact the Marsh entertainment team as soon as you can. We want you to get the best possible outcome, so we will advocate for you throughout the entire claims process. 

Claims can be stressful, but – as the world’s largest insurance broker – we strive to make the process straightforward.

This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

LCPA 24/430