What's covered

Whether you’re a portrait or glam photographer with a home-studio or a free-lance graphic designer, AAMI Business At Home Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, a customer trips on cables in your studio and is injured.
• Portable and Valuable Items – for example, you accidentally drop your camera at a wedding and damage it.
• Theft – for example, someone breaks into your locked business vehicle and steals your camera equipment.
• Property Damage – for example, a flood* causes damage to your lighting equipment kept in your studio.
• Money – for example, your shop is broken into and your business money is stolen.
• Back in Business – for example, a fire breaks out in your studio and you cannot trade, leading to lost income.
• Commercial Motor – for example, your business vehicle is hit by another driver on the way to a photoshoot.

What’s not covered

• Professional Indemnity – for example, your customer is dissatisfied with your photos and demands a refund.
• Maintenance – for example, your digital printer needs to have a service.
• Unlocked vehicle – for example, you left your vehicle unlocked and someone steals your lighting equipment.
• Workers Compensation – for example, your employee is injured while at a photoshoot. This would typically be covered under Workers Compensation Insurance.