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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
Why you may want
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.
Business Insurance
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.
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.
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:
LEGAL INFORMATION
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AAI LIMITED TRADING AS AAMI
AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Registered Office, Level 28, 266 George St, Brisbane QLD 4000.
Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product. The Target Market Determination is also available.
This content is current for Home Building, Home Contents, Fire & Theft Contents, Landlord, Strata, Car, Caravan and Motorcycle Insurance policies with a start date after 14 December 2020.
AAMI PET INSURANCE
Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard); distributed by Pet Insurance Pty Ltd (ACN 607 160 930; AR 1234944) (PIPL) and PIPL's authorised distribution partners (including Platform Ventures Pty Ltd (ABN 626 745 177; AR 001266101) (Ventures) under the AAMI brand); and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). PIPL and Ventures are authorised representatives of PetSure. PIPL and PIPL's authorised distribution partners (including Ventures) will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any - ask PetSure for more details.
AAMI HEALTH INSURANCE
AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.
AAMI LIFE INSURANCE
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL companies use the AAMI brand (brand of the Suncorp network) under licence. Redundancy Benefit issued on or before 31st March 2020 was offered by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 will be issued by Asteron Life & Superannuation Limited, ABN 87 073 979 530, AFSL 229880 (Asteron). The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement. The Target Market Determination is also available.
