Whether you work with glam, landscape, portrait, sporting events or weddings, AAMI Business Insurance can help keep your professional photography business snapping should something go wrong.
What sort of events are covered?
Customise your cover
Policy document downloads
Product Disclosure Statement (PDS)
Coverage
Here's a few things Portable & Valuable Items Cover will and won't apply to.
We can cover
We can't cover
What am I covered for?
You know how to work a camera, and we know a thing or two about how to insure one. Whether you operate from a studio or just out of your camera bag, AAMI has business insurance to help keep you in focus so you can stress less about the small things.
Included
Covers you for compensation costs you might be liable for if your business is responsible for personal injury or property damage
Optional Extra
Provides cover for physical loss or damage to your property at your premises from insured events such as fire, lightning and explosion.
Optional Extra
Provides cover for the loss of or damage to glass windows, signs and showcases at your business premises.
Optional Extra
Provides cover for the loss of your contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.
Optional Extra
Provides cover for items such as tools or cameras that you carry around with you while you are working.
Optional Extra
Commercial Motor
Optional Extra
Covers you for loss of - or damage to - your business’s money from things like theft, armed hold-up or fire. The money may be in transit, at your premises, or in custody at a private residence.
Optional Extra
Covers you for a reduction in your business revenue caused by damage to your property in an insured event.
Optional Extra
Covers the professional fees incurred if your business’s financial or tax affairs are audited by the Australian Taxation Office, or by a Commonwealth, State or Territory department, body or agency.
Business Insurance
Jump online any time to request your certificate of currency, make a claim, renew your policy, and read your policy docs.
AAMI can cover a range of camera equipment to suit your style of photography, from mobile to studio. You can find out more, or call us on 13 22 44.
AAMI Business @Home Insurance is designed to cover your home and your business. To find out more, check out our Business@Home page, or call 13 22 44 to get a quote.
No. AAMI can cater to the needs of mobile and freelance photographers with our Public and Products Liability coverage, along with a range of other cover options. Get a quote online with us, or call 13 22 44.
AAMI Portables & Valuables Items Cover can insure unspecified items up to the value of $2,500. If you think you have equipment worth more than $2,500, you’ll need to specify it in your policy for it to be covered for its full value. To update your cover, please call 13 22 44.
You can lodge a claim by calling us on 13 22 44 or online or 24/7. If you need to lodge a claim, you can find all the details on how to do so by heading to our Claims page.
^The content on this page in respect of flood cover under the property damage section applies to policies with a start date on or after 7 December 2023. We do not insure you for flood, bushfire or grass fire in the first 72 hours of commencing a new policy or adding property damage cover. Refer to the PDS for details.
Imposed taxes
I have been informed that I need to pay more tax. This is not covered.
Failure to Lodge
I did not lodge my tax return. This is not covered.
Dishonest Tax return
I claimed for costs that I did not incur. This is not covered.
Superannuation Guarantee
I have been notified that my superannuation guarantee is being audited, I need to pay the professional fees of my accountant.
Payroll tax Audit
I have been notified that my payroll tax is being audited, I need to pay the professional fees of my accountant.
GST Audit
I have been notified that my GST is being audited, I need to pay the professional fees of my accountant.
Short power outage
The power went out for a day and I could not operate. This is not covered.
In Liquidation
I have gone into Liquidation and I am losing money. This is not covered.
Bankruptcy
I have gone into Bankruptcy and I am losing money. This is not covered.
Storm
My ceiling collapses in a storm and I can not see my clients.
Impact
A truck impacts my building and I can not see my clients.
Fire
My Premises has a fire and can not trade.
Taken by staff
My employee steals my business money. I would need management liability for this.
Accounting errors
My accounts at the end of the month do not balance. This is not covered.
Carrying Money
I am held up on my way to the bank and my business money is stolen.
Money at home
My house is broken into and my business money is stolen
Money in a Safe
My premises is broken into and my business money stolen from my safe.
Money from premises
My premises is broken into and my business money is stolen.
Wear and Tear
The original paint on my vehicle has faded. This is not covered.
Loss of income
I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit. This is not covered.
Deliberate Damage
I intentionally damaged my own vehicle. This is not covered.
Flood
Flood waters have damaged my parked vehicle.
Theft
Someone has stolen my locked vehicle.
Uninsured third party
My comprehensively covered vehicle is crashed into by someone else.
Storm
A storm has caused hail damage to my vehicle.
Damages by employees
My employee has reversed my vehicle into someone else's vehicle.
Malicious Damage
Someone has keyed my vehicle.
Unlocked Vehicle
I left my car unlocked and my camera equipment was stolen. This is not covered.
Wear and Tear
I have scratches on my camera lens and I need to have it replaced. This is not covered.
Theft of items
My Laptop has been stolen from my locked vehicle and I need a new one.
Damage caused by Accident
The video recorder I use for work dropped and is damaged. It needs to be replaced.
False credit cards
A customer pays for their photo albums with a fake credit card. This is not covered.
Money
My premises is broken into and my business money is stolen. I would need to take the money section to cover this.
Temporary Protection
I have a break in and I can not lock up my office.
Break and enter
I have a break and enter at my premises and my camera equipment was stolen.
Wear and Tear
I have chipping on my ceramic hand basin. This is not covered.
Light fittings
When moving furniture I have knocked a light fitting and it has broken. This is not covered.
Computer screen
I have cracked the screen on my laptop. This is not covered.
Glass Signs
My glass sign is broken during a storm.
Accidental Breakage
My ceramic toilet bowl accidently breaks.
Malicious Damage
Someone throws a stone through my shop window.
Loss of income
My revenue has reduced since I had a fire. I would need Back in Business to cover this.
Maintenance
My digital printer needs to have a service. This is not covered.
Wear & Tear
My carpet is starting to wear thin and needs to be replaced. This is not covered.
Impact
A truck drives into my office causing damage to my business equipment.
Leaking Water Pipes
My sink pipe breaks and causes water damage to my contents.
Storm Damage
My ceiling collapses under weight of storm water and my contents are damaged.
Accidental Damage
My office camera is knocked off its tripod and needs to be replaced.
Malicious acts
Thieves break in and damage my camera equipment.
Fire
An electrical fault causes a fire and destroys my office equipment.
Flood
A flood causes damage to my canvases kept in my studio.
Slips and Trips
A customer slipped on bubbles I provided to take a photo.
Treatment Risk
My customer has an allergic reaction to the treatment I have performed.
Product causes injury
My customer has an allergic reaction to the product I have used.
Work causes damage
While photographing at my customers premises. I have knocked over their lighting system.
Injury at my premises
A delivery person is injured when my advertising sign falls on them.
Vehicles
I have an accident in my work vehicle driving to see a client. I would need a motor policy to cover this.
Professional Indemnity
My customer did not like the photos I produced and caused the customer anguish. This is not covered.
Commercial Motor
Hair and beauty
AAMI offers cover for:
Business
AAMI offers cover for:
