What’s covered

Photographers and design professionals can choose AAMI Business Insurance covers for common risks to your business, such as:

• Public & Products Liability (injury) – for example, a client visiting your studio trips over a lighting stand and is injured.
• Public & Products Liability (damage) – for example, a backdrop frame falls and damages your camera during a shoot.

Optional covers for an additional premium

• Portable valuables Portable valuables – for example, you’re on a shoot and you drop your mobile phone, and it breaks.
• Theft – for example, an unknown person breaks into your studio and steals your photography equipment or design hardware.
• Tax Probe – for example, your business’s GST is audited, and you need to pay your accountant’s fees for the review.
• Commercial Motor – for example, your business vehicle is damaged while transporting props or equipment to a client location.

Who do we cover?

What’s not covered

• Dissatisfied customer – for example, a client complains about the final images or design and demands a refund.
• Liability – for example, any liability linked to providing creative advice that results in a client’s financial loss.
• Unlocked vehicle – for example, you leave your vehicle unlocked and someone steals your camera bag.
• Wear and tear – for example, your camera battery rapidly loses power after heavy use, despite charging it.
• Workers Compensation – for example, a team member strains their wrist while lifting heavy lighting equipment. This would typically be covered under Workers Compensation Insurance.