Photographers Insurance
Professional Indemnity and Public/Product Liability insurance for Photographers
Annual premium starting from $463.16
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Photography is your craft, your business, and your reputation, all wrapped into one. Whether you’re shooting weddings, corporate events, portraits, or commercial campaigns, every job carries risk. A guest trips over your lighting kit. A client disputes the final edit. A hard drive fails, and the images are gone. These things happen to photographers at every level, and when they do, the cost lands on you.
AUZi’s photographer insurance combines Public Liability and Professional Indemnity cover in a single annual policy. It’s built specifically for the work photographers do, not adapted from a generic business template with your job title swapped in. One policy, one renewal date, and cover that travels with you to every shoot, every venue, every client.
What does Photographers insurance cover?
As a photographer, your clients trust you to capture their most important moments and deliver on your creative vision. If a client claims your work didn’t meet the brief, you lost their images, or you made a professional error, professional indemnity insurance covers the cost of defending that claim and any resulting compensation, even if the claim is unfounded.
- A memory card corrupts, and you lose the images from a client’s wedding
- A commercial client claims your final edits didn’t match the agreed-upon brief and demands a refund
- You accidentally infringe on a third party’s copyright or intellectual property
- You miss a crucial delivery deadline, causing a financial loss for a corporate client’s marketing campaign
Whether you shoot in a private studio, at a crowded event venue, or out on location, your working environment is always changing. If a client, guest, or third party is injured, or has their property damaged because of your business activities, public liability insurance covers you.
- A guest trips over your lighting kit or camera bag
- Your equipment damages a venue or client property
- Someone is injured at a shoot location. Indoors or outdoors
- Covers you on location, at venues, and on client sites
- Often required by venues before you are permitted to shoot
One Policy. Both Covers. All Year.
Most photographers need both public liability and professional indemnity insurance, and venues or clients often require proof of both before you can work. AUZi combines them in a single annual policy so you are fully covered from day one, without managing two separate insurers or two renewal dates.
Is this policy right for you?
AUZi’s photographer insurance is designed for working photographers who operate as a sole trader or small business in Australia. Here’s a quick guide to help you work out if this policy is the right fit.
This policy is designed for
- Wedding and engagement photographers
- Portrait and family photographers
- Pet photographers
- Corporate and commercial photographers
- Event and conference photographers
- Real estate and architectural photographers
- Product and food photographers
- Freelance photographers working across multiple clients
- Photography students operating in a professional capacity
- Photographers who shoot on location, at venues, or on client sites
- Drone and UAV photographers. Provided you are the sole operator, hold a current CASA licence, and comply with all CASA regulations and privacy laws
This policy may not be the right fit for
- High-hazard sports and adventure photographers such as rock climbing, action watersports, surfing, and similar high-hazard promotional photography is not covered
- Conflict journalists working overseas
- Underwater photographers
- Photographers working with TV presenters, models, or celebrities
- Photographers who operate outside of Australia — this policy covers Australian-based work only
Frequently Asked Questions for the Photographers Insurance
Most working photographers need both. Public liability covers you if someone is injured or their property is damaged during a shoot. Professional indemnity covers you if a client claims your work caused them a financial loss. Many venues and corporate clients will require proof of both before they allow you on site or sign a contract with you. AUZi combines both in a single annual policy.
The cost depends on the cover limits you choose and your estimated annual turnover. You can get a quote entirely online in minutes, no broker appointment needed. Public liability limits start from $5,000,000 and professional indemnity limits start from $250,000.
Yes. This policy includes public and products liability cover, which means the sale of physical products such as prints, canvases, and merchandise is covered. You don’t need a separate policy to cover your product sales alongside your photography services.
Drone cover is available as an optional add-on at the quote stage. To be eligible you must be the sole operator of the drone, hold a current CASA licence and certifications, comply with all CASA regulations and privacy laws, and operate no more than three drones or UAVs. Military and law enforcement drone use is excluded.
Why Photographers Choose AUZi
There's no shortage of insurance options out there. Here's why photographers who work for themselves choose AUZi over a generic business policy or a broker who doesn't specialise in creative industries.
Built for Photographers, Not Adapted for Them
Most business insurance policies are written for a broad audience and adjusted to fit your occupation. AUZi's photographer insurance is built around the work photographers actually do — the venues, the clients, the equipment, and the risks that come with a creative profession.
Two Covers in One Policy
Public liability and professional indemnity are the two covers every working photographer needs. AUZi combines both in a single annual policy. One payment, one document, one renewal date — no managing separate policies with separate insurers.
Your Certificate of Currency — Instantly
Venues, clients, and event organisers frequently request proof of insurance before a shoot can proceed. With AUZi, your certificate of currency is available online the moment your policy is active. No waiting, no chasing, no delays to your booking.
Drone Cover Available
If your photography work includes drone or UAV operations, you can add drone cover to your policy at the quote stage — provided you are the sole operator, hold the required CASA licence, and comply with all CASA regulations and privacy laws.
Optional Limit Flexibility
Choose the cover limits that match the scale of your work. Professional indemnity from $250,000 up to $10,000,000. Public liability of $5,000,000, $10,000,000, or $20,000,000. You pick what suits your clients and contracts.
100% Online
Quote, apply, and receive your policy documents entirely online. No broker appointments, no paperwork, no phone calls unless you want them. The whole process is designed to be completed in minutes so you can get back to shooting.
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Your dedicated contacts
Chat live with our specialist insurance brokers, Nicole, Tracy & Gillian by hitting the live chat bar below (only available during office hours).
Alternatively, give us a call on 1300 939 698, or email us at mail@auzi.com