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Photo Booth Insurance

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Photo booth insurance

Photo booth commercial insurance NZ

Photo booth insurance, at its core, refers to a specialized type of business insurance designed to protect photo booth operators and their equipment. Whether it’s accidental damage to the equipment, a liability claim from someone who gets injured using the booth, or a client suing for breach of contract, photo booth insurance is there to cover the financial setbacks.

Why is photo booth insurance important? 

In the world of business, unforeseen situations arise. For a photo booth operator, these could mean damaged equipment, potential lawsuits, or even claims of injury. Having photo booth insurance means having peace of mind, knowing that should these challenges emerge, there’s financial support to keep your business running smoothly.

In New Zealand, the average cost of photo booth insurance typically ranges between $75 – $150 per month. 

It’s crucial to have photo booth coverage if your business:

  • Uses high-end, expensive equipment
  • Operates at various locations
  • Signs contracts with venues or clients
  • Offers services at large events

What insurance covers are typically included in photo booth insurance? 

Public Liability

This policy covers common photo booth business risks including bodily injuries, customer property damage, and advertising injuries. Public liability is required for most photo booth operations.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps photo booth owners cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Photo Booth Equipment Insurance

Photo Booth Equipment insurance is a type of coverage that helps protect photo booth businesses from the loss or damage to their equipment.

Best For
  • Mishaps 
  • Theft
  • Fires

Professional Indemnity

This coverage protects photo booth businesses from financial losses if they make mistakes or are accused of negligence while doing their job. 

Best For
  • Negligence claims 
  • Errors & Omissions 
  • Professional mistakes 

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Cyber Insurance

Insurance that helps protect photo booth businesses from financial losses caused by cyber-related incidents, like data breaches and computer attacks.

Best For
  • Ransomware attacks
  • Phishing scams 
  • Cyber extortion 

How much does photo booth insurance cost?

Photo booth insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Photo booth insurance in NZ typically costs between $75 to $150 per month

Who needs photo booth insurance?

Anyone operating a photo booth business, whether part-time, full-time, as a sole proprietor, or under a business entity, should seriously consider photo booth insurance. This includes those who run booths at weddings, corporate events, parties, or any other event where guests can use a photo booth.

While not a legal requirement, many venues and clients may demand proof of insurance before allowing operations. Beyond that, it’s a prudent choice for protecting your investment and business reputation.

Yes, many photo booth insurance policies offer coverage for equipment while it’s in transit, ensuring that you’re protected even on the move. However, always confirm this with your policy details.

How do I get a photo booth insurance quote? 

We understand the unique needs of photo booth operators in New Zealand. Leveraging our extensive industry knowledge and partnerships, we provide comprehensive photo booth insurance quotes from the top insurers in the country and globally. Entrust us with your requirements, and we’ll ensure you receive the most competitive and tailored coverage options available.

To obtain a photo booth insurance quote we may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

How do I get proof of photo booth insurance?

You can usually get proof of photo booth insurance same day when you purchase insurance through Gerrards.

Acquiring a photo booth insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or project.

To obtain insurance coverage promptly, contact one of our photo and video insurance brokers. 

What does photo booth insurance not cover?

Wear and Tear

Just like your favorite pair of shoes might wear out after much use, photo booth equipment can also deteriorate over time. This natural process is not insurable. So, if your camera or printer gradually loses its quality or stops working due to age, insurance won’t cover it.

Faulty Workmanship

Let’s say you send your booth for repair, and the technician botches the job, causing more damage. This is not a risk associated with regular booth operation, so your insurance might not cover it. The technician would instead be liable for the damages and you would need to pursue them. 

Contractual Liabilities

If you enter into a contract and it has specific liabilities or requirements that you later breach, not all of these breaches might be covered under your standard photo booth insurance. It’s crucial to understand your contracts and ensure you’re adhering to their terms.

Other common questions about photo booth insurance

Many insurance companies want to encourage new businesses and may offer initial discounts. Consult with us to see if these discounts are available for you. 

Policies vary. If international operations or travel are part of your business model, inform your broker to ensure you’re fully covered.

Many insurers offer policies that cover multiple units, which can be cost-effective if you run several booths.

Coverage isn’t usually brand-specific. However, certain high-risk or exceptionally high-value items might need special considerations. Always detail your equipment to your broker.

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