As a professional photographer you know that even a day without your camera can cost you a month’s worth of income.

In fact, most professionals and enthusiasts are simply not aware that many of the standard ‘all risk’ policies are simply not comprehensive and don’t offer cover for equipment – a loss that could collapse your business. To answer a growing need, our iTOO Photography product was developed as an industry leading stand-alone product to cover the crippling gaps that ordinary insurance providers have been overlooking. Now you can concentrate on your passion, knowing you’re with an expert who appreciates it.

Why iTOO?

Service that captures the perfect picture. Expertise that cover the bigger picture.

Our experts understand the market and can offer industry leading service to your broker when it comes to your every insurance detail. iTOO Photography product is designed to fit the needs of both enthusiastic and professional photographers.

What’s the difference?
A Professional photographer is defined as one who at least 50% or more of their income is derived from their photographic work.

Our cover options include:

  • Professional Photographer – cover for camera equipment, laptops, tablets, public liability and cellphones.
  • Enthusiast Photographer – cover for camera equipment.

Cover is on a replacement value basis and is subject to the coinsurance clause for camera bodies and laptops.

We are different

We understand that often the best shots require local and international travel, which is why we offer worldwide, at home or studio and out and about cover.

Because we understand the deadline driven nature of your industry, all our professionals are offered equipment hire during the processing of a valid claim.

How to get cover

All iTOO business has to be done via independent brokers so please ask your broker to contact us if you would like to get a quote for your Photography cover. If you do not have a broker and would like us to recommend possible FAIS registered brokers trained in our products, please fill in your details on our Find a Broker page. If you are a broker and would like more detail about our cover, please contact one of our product experts, whose details can be found here.

Forms & Downloads

Enthusiast proposal form

Use this form if your income from photography is less than 50% of your total income.

Professional proposal form

Use this form if your income from photography is more than 50% of your total income.

Quick Quote Form

If you want to get a quote or insure any photography items, please complete this document in full and email it to:

How to claim

You’re in the hands of an expert. You can always be assured of professionalism, quick turn around times and world-class technical knowledge. We’ll keep you in the loop every step of the way.

Simply send us an email detailing your claim and our claims department will contact you and your broker for specific details.

086 1111 096 or

Photography Contacts


Why does photographic equipment need to be separately insured?

It is likely that photographers’ insurance policies are not sufficient to respond to the risks that their equipment faces. Our products are designed with an understanding of photographers’ exposures. By taking advantage of iTOO’s specialised products, photographic equipment may be better protected

What sum insured do I need to select when insuring my equipment?

You need to make sure that your equipment is insured for the current replacement value of the item. If the item is discontinued then it needs to be insured for the cost of the replacement item.