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Photographers Insurance

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Photographers insurance

Photography commercial insurance NZ

Photographer insurance provides financial protection against unforeseen incidents that can affect a photographer's professional equipment, reputation, or finances. This can include coverage for equipment damage or theft, liability if someone gets hurt during a shoot, or even protection against business interruptions.

Why is photography insurance important? 

Photography isn’t just about capturing moments; it’s a business venture. And like any business, it comes with risks. Photographer insurance is vital as it safeguards photographers against potential financial losses due to unforeseen incidents. Just one mishap, like a broken camera or an accidental injury, could lead to hefty costs that can cripple a photography business. With insurance, photographers can focus on their craft, knowing they’re protected against such setbacks.

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

It’s crucial to have photographers coverage if your business:

  • Operates in multiple locations
  • Handles expensive equipment
  • Faces potential liabilities
  • Experiences business interruptions

What insurance covers are typically included in photography insurance? 

Public Liability

This policy covers common photography business risks including bodily injuries, customer property damage, and advertising injuries. Public liability is required for most commercial photography projects. 

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

Statutory Liability

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

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

Photography Equipment Insurance

Photography Equipment insurance is a type of coverage that helps protect photography businesses from the loss or damage to their equipment.

Best For
  • Mishaps 
  • Theft
  • Fires

Professional Indemnity

This coverage protects photography 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 photography 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 photography insurance cost?

Photographer insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

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

Who needs photography insurance?

Any photographer who values their equipment, reputation, and business stability should consider photographer insurance. This includes:

  • Freelancers
  • Studio owners
  • Event photographers (e.g., wedding photographers)
  • Commercial photographers
  • And even photography enthusiasts with high-end equipment.

Yes, most photographer insurance plans offer coverage for equipment both in-studio and when you’re on the move. However, always ensure you understand the terms and potential limitations of your specific policy.

Typically, professional indemnity coverage within photographer insurance will address legal fees and settlements if you’re sued for professional negligence or mistakes.

How do I get a photographer insurance quote? 

We understand the unique needs of photographers in New Zealand. Leveraging our extensive industry knowledge and partnerships, we provide comprehensive photography 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 photography 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 photography insurance?

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

Acquiring a photography 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 photographer insurance not cover?

Wear and Tear

Insurance is not a maintenance contract. Over time, equipment can show signs of regular aging or deterioration, whether it’s a camera’s lens slowly becoming less sharp or a tripod joint becoming loose. This natural wear and tear isn’t something insurance covers, as it’s an expected part of using equipment.

Undeclared High-Value Items

When setting up a policy, photographers declare the value of their equipment and other assets. If they acquire a high-value item after this and do not update the policy, or if they fail to declare it in the first place, the insurance might not cover that particular item. Regularly reviewing and updating your insurance policy to reflect the current status of your equipment is essential.

Unattended Equipment

It’s always essential to take care of your tools of the trade. If a photographer leaves their equipment unsecured or in an easily accessible location, such as an unlocked car, and it gets stolen, the insurance might not cover this. Being cautious and ensuring the safety of equipment is vital.

Other common questions about photographers insurance

Not all policies automatically cover equipment that isn’t owned by the insured. However, some insurance plans provide the option to include hired or borrowed gear for an additional fee. If you frequently rent equipment or borrow from colleagues, it’s crucial to ensure you’re covered for these items.

Traveling with expensive equipment poses additional risks. Some photographer insurance policies offer international coverage, either included or as an add-on. It’s always advised to verify with your insurer before you travel, ensuring you have the necessary protection when you’re abroad.

It’s in your best interest to report any incident and initiate a claim as promptly as possible. Most insurance providers don’t set a strict timeframe, but quicker reporting often leads to more straightforward claim processing. Additionally, timely reporting ensures that vital details about the incident remain fresh in memory.

Insurance policies might operate on either a “replacement cost” or “indemnity” basis. The former would pay out enough to buy a new item, while the latter considers depreciation, meaning you’d receive the current value of the old camera. Most policies in New Zealand cover photography equipment for replacement value up to 3 years old. However there are some specific insurers that cover replacement value for an unlimited period.  Understanding this is essential. 

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