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.

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.

Photography lenses

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.

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.

Professional Photography Equipment

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.

Request A Quote


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Gary Perera

Senior Insurance Broker

With 35 years’ experience in the insurance industry, Gary is a Senior Insurance Broker at Midland with extensive knowledge across a wide range of business sectors. He specialises in insurance for breweries, distilleries, cafés, restaurants, and manufacturing businesses, bringing a depth of practical insight to every client engagement.

Known for his thorough and considered approach, Gary takes the time to understand how each business operates before delivering clear, tailored insurance solutions. A committed professional, he has completed numerous industry qualifications and is a proud member of ANZIIF, maintaining his expertise through ongoing education and regular engagement with industry developments.

Outside of work, Gary is an avid sports enthusiast who enjoys running, football, and cricket. He remains driven by a simple principle: continuous improvement and delivering the highest standard of advice to his clients.

Angus Matheson

Angus Matheson

Senior Insurance Broker

With more than 21 years’ experience in the insurance industry, Angus is a Senior Insurance Broker specialising in Road Freight Transport insurance. He is recognised for his deep understanding of the transport sector and his ability to deliver tailored risk solutions that address the operational and commercial challenges faced by transport businesses.

Angus takes an empathetic, client-first approach, investing the time to understand each business, its priorities, and its risk profile before providing advice. A committed professional, he holds accreditations with NIBA, ANZIIF, CIP, and QPIB, and remains actively engaged with industry developments through ongoing education and professional involvement. His focus is on delivering reliable protection that supports business continuity and long-term confidence.

Sarah Grose

Sarah Grose

Senior Insurance Broker

With more than 17 years’ experience in the insurance industry -including 16 years with Midland - Sarah brings deep expertise and a genuine commitment to helping clients protect what matters most. Having held a range of roles across the business, including management positions, she has a well-rounded understanding of both client needs and the broader insurance landscape.

Sarah specialises in small to medium-sized business insurance, with particular expertise in the film and television sector, self-storage, and, more recently, breweries and distilleries. Her approach is focused on making insurance clear, practical, and tailored to each client’s circumstances. Known for her approachable and solution-focused style, Sarah builds long-term relationships grounded in trust, reliability, and understanding.

She holds a Diploma of Insurance Broking and remains actively engaged in ongoing professional development to ensure her advice stays current and relevant.

Andrew Woff

Andrew Woff

Senior Insurance Broker

With close to 20 years’ experience in the insurance industry, Andrew is a Senior Insurance Broker at Midland specialising in heavy vehicle and equipment insurance, as well as cover for breweries and distilleries. He is particularly well regarded for his ability to secure tailored, cost-effective solutions for assets involving motors, wheels, or tracks, alongside his strong understanding of the risks unique to alcohol production businesses.

Andrew works with a wide range of clients, from sole traders through to large-scale operations, and is known for his clear communication, flexible approach, and commitment to personalised service. A QPIB-accredited broker and member of NIBA, he maintains high professional standards and remains focused on delivering practical, well-considered advice.

Outside the office, Andrew is a proud father of three and an active community volunteer. His interests in music, electronics, mechanics, and brewing reflect the same curiosity and hands-on mindset he brings to his professional work.

Scott McMurtrie

Scott McMurtrie

Senior Insurance Broker

Scott is a Senior Insurance Broker with over 12 years’ experience supporting Australian small and medium-sized businesses. He specialises in tailored insurance solutions across the Film & Entertainment, Transport, and Manufacturing sectors, delivering advice that reflects each client’s specific risks and operations.

With a strong focus on understanding how businesses work in practice, Scott provides clear, relevant cover recommendations backed by ongoing professional development and industry engagement.

Outside the office, he enjoys AFL, soccer, and music, and values building long-term client relationships founded on trust and reliability.

Beau Runnalls

Beau Runnalls

Senior Insurance Broker

Beau is a senior insurance broker at Midland with seven years of industry experience supporting businesses across Australia. He works across a broad range of sectors, with particular expertise in earthmoving, heavy equipment, trades, and the winery industry.

Known for his attention to detail and measured approach, Beau focuses on delivering insurance solutions that are clear, practical, and free from unnecessary complexity. He remains actively engaged in professional development, ensuring his advice reflects current industry standards and best practice.

Beau places strong value on collaboration and long-term client relationships. Outside of work, he enjoys golf and football, reflecting his team-oriented mindset and active approach both professionally and personally.

Alex Petkovic

Alex Petkovic

Senior Insurance Broker  |  Development & Service

With 27 years of experience in the insurance industry, Alex is a senior broker at Midland, recognised for his depth of knowledge, attention to detail, and straightforward approach. While he works across a broad range of businesses, he has a particular focus on clients in the construction and building sectors.

Committed to keeping insurance clear and practical, Alex places a strong emphasis on honesty and client-first advice. He remains actively engaged with industry developments through ongoing professional development and research, and is also a natural mentor, regularly supporting and guiding emerging brokers within the team.

Joshua-Kerr

Joshua Kerr

National Sales Manager

Joshua is Midland’s National Sales Manager, with more than two decades of experience in the insurance industry. His expertise spans a wide range of insurance solutions, with particular depth in the winery and brewery sectors.

Taking a considered, people-focused approach, Joshua works closely with clients to understand how their businesses operate and the risks they face, allowing him to deliver insurance solutions that are both practical and relevant. He is known for his ability to make complex insurance concepts clear and approachable.

Outside of work, Joshua has a strong connection to community, having spent several years coaching junior basketball and serving as Vice President of a children’s basketball club. Staying closely attuned to industry developments, he is committed to helping clients make informed insurance decisions that support their long-term success.

Justin-Lane

Justin Lane

Director

Justin is a Director at Midland and has been part of the business since 2003. With more than two decades of experience, he works closely with small businesses across Australia, helping them secure insurance solutions that genuinely reflect the way they operate.

Known for his practical, solution-focused approach, Justin places strong emphasis on clarity, reliability, and long-term client relationships. His depth of industry knowledge and consistent, hands-on service have seen him become a trusted adviser to many business owners over time.

Damien Lane

Director

Since 2001, Damien has been central to Midland’s evolution, bringing more than two decades of industry experience and a strong commitment to client-focused service. His expertise spans a wide range of sectors, with recognised depth in the brewery and distillery space.

Working with independent brewers across Australia, Damien helps clients navigate complex operational risks with practical, grounded advice. He is known for his industry knowledge, clear communication, and ability to build enduring client relationships.

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