Professional Photographers & Camera Insurance

At Midland Insurance Brokers, we understand the risks that come with running a photography business. Whether you’re a full-time professional photographer, a freelance photographer, or a sole trader working independently, we specialise in helping you protect your gear, your business, and your reputation with the right insurance cover.

With years of experience insuring creative professionals across Australia, we make it easy for photographers to get reliable, flexible, and cost-effective insurance that’s designed for your industry.

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Why Insurance Matters for Professional Photographers

Photography is more than a passion; it's your profession. But with high-value equipment, client contracts, and time-critical work, your business is exposed to a range of risks, such as:

Theft or accidental damage to your cameras, lenses, and drones
Missed shots due to equipment failure or technical issues
Liability if someone is injured at a shoot or property is damaged
Legal disputes over copyright, contracts, or professional negligence

Without the right cover, one incident could cost your business thousands.

What Insurance Cover Should Professional Photographers Consider?

Every photographer’s risk profile is different. At Midland, we’ll tailor your cover based on how you work, whether you shoot weddings, events, editorial, commercial, real estate or aerial photography.

Our insurance policies for the professional photography industry typically include:

Equipment Insurance (Portable Property Cover)

Insures your valuable photography equipment - cameras, lenses, lighting, drones, and laptops - against accidental damage, theft, or loss whether you’re at home, in the studio, or on location anywhere in Australia (and overseas if required).

Public Liability Insurance

Protects you if a third party (like a client or venue staff) is injured or their property is damaged during your shoot. Essential for on-location work, weddings, and events.

Professional Indemnity Insurance

Also known as Errors & Omissions Insurance (or E&O insurance), this covers legal costs and damages if a client claims your work caused them financial loss. For example, if you miss an important moment at a wedding or deliver unusable images due to technical failure.

General Business Coverage

Besides equipment and liability coverage, photographers' insurance includes general business coverage. This component protects your studio or office space from damage, covers loss of income due to business interruption, and guards against theft of client property from your premises.

Cyber Liability Coverage

Photographers often store and transfer large volumes of digital files. Cyber liability insurance helps protect against data breaches, cyberattacks, or the loss of digital files. It ensures that your client's personal information and images remain secure.

INSURANCE COVERS

Specialist Industries

Important Note

It's important to note that not all photography insurance policies are created equal.

Coverage can vary significantly between insurers, especially when it comes to limits, exclusions, and optional extras like drone use or overseas travel. Some policies may not cover hired equipment, water damage, or loss of digital files unless specifically requested.

That’s why it’s essential to speak with a broker who understands the unique risks of professional photography. At Midland, we’ll work closely with you to ensure your policy covers what you do, how you do it, and where you do it, so you’re not left exposed when it matters most.

Whether you're just starting out or you're managing a growing portfolio of clients, we’ll help ensure your photography business is properly protected.

Why Use a Broker Instead of Buying Direct?

As a professional photographer, your gear, time, and reputation are on the line. Buying insurance direct might seem convenient, but it often comes with gaps in cover or one-size-fits-all policies.

Here’s why photographers across Australia trust Midland:

We understand your industry – Our team works with photographers across Australia and knows the risks specific to your profession.
Tailored advice – We build policies that reflect your work, whether it’s weddings, real estate, or commercial photography.
Dedicated claims support – If you need to claim, we’re in your corner to ensure you get the right outcome.
Save time and money – We compare multiple insurers and explain the fine print so you get value and clarity.

Get Your Photography Business Insurance Quote Today

We know your equipment is your livelihood. So, whether your equipment gets stolen, damaged or lost, we can tailor an insurance solution that's specific to you, ensuring you are properly covered, no matter where the art takes you.

Call us on 1300 306 571 or email photo@midlandinsurance.com.au to speak with a broker who understands your industry.

Or simply fill out the Request A Quote form on this page and we’ll be in touch.