Compare quotes from leading insurers
Save up to 25% on premiums
Quick quotes for all products
Advisors available 7 days/wk
Get Singapore's best Photographers Insurance.
Provide is the easiest & quickest way for photographers & videographers to get insured. Get coverage for liability to others, injuries to employees, and more. Get coverage online, in just minutes.
What does Photographers Insurance cover?
| Coverage | Explanation | Importance for photographers |
| Work Injury Compensation Insurance (WICA Insurance) | Protects your employees if they suffer work-related injuries/sickness. | Legally required for all manual workers (e.g. photographers), or workers who earn <$2,600/month |
| Public Liability Insurance | Protects you against liability to third-parties for property damage or injuries. | Critical |
| Commercial Property Insurance | Protects your business property against damage, e.g. fire, explosions, certain types of water damage, etc. | Critical |
| Business Interruption Insurance | Pays cash benefit if you can’t operate your photography business due to covered reasons, e.g. fire destroying your office. | Very good to have |
| Cyber Insurance | Protects your business if you suffer a cyber breach. Pays for IT consultants to help recover lost data, recover systems, and more. | Very good to have |
What are some claims examples for photographers?
Claim Example 1: Office catches fire, destroys equipment
An electrical outlet in your photography studio short-circuits, and sparks a fire. Your sprinkler systems are too weak to control the fire. The fire ends up destroying all your computers, camera bodies, camera lenses, SD cards, tripods, lighting equipment, and all other equipment that you have. Your studio’s renovations and fixtures & fittings are annihilated also. If you have Commercial Property Insurance, the insurer would pay to restore your photography premises to its original condition. Your policy can cover the cost of renovations, fixtures and fittings, camera equipment, and more.
Claim Example 2: Employee gets injured while on photography assignment
Physical injuries are a real risk for photographers, especially if you do any kind of outdoor shoots. You’ll spend long hours in all kind of outdoor locations. You may even have to climb onto certain places, crouch on roads, or get yourself into other awkward positions just to get that perfect angle. With such a high amount of physical activitiy, injuries are bound to happen.
Let’s say one of your employees was doing an outdoor shoot, when he trips and falls into a drain. He breaks his arm, and suffers a deep cut. His medical bill ups up being $8,000. He’s also placed on 4 weeks of medical leave. His monthly salary is $3,000. Let’s do a quick calculation of how much you have to compensate your employees for. Since this was a work-related injury, you’ll have to pay both his medical fees and lost salary. The total amount you’ll have to pay would be $11,000!
With WICA Insurance, these expenses are covered for you. The insurance company will pay the $6,000 for the employee’s lost wages, and also pay their medical expenses stemming from their work-related Covid infection.
Claim Example 3: You injure someone else while on a shoot
While on an outdoor photo shoot, you accidentally bump into someone while engrossed in capturing your shots. The person falls, and hits their head. They suffer a bad cut on their forehead. The injured person files a personal injury lawsuit against you. He sues you for $20,000, seeking compensation for their medical expenses and trauma caused. Public Liability Insurance would pay for your lawyer’s fees to defend you, and also pay for damages or settlements if you are found liable to the other party.
How much coverage do I need for my photography business?
Work Injury Compensation Insurance: You should insure 100% of your employees. Under WICA regulations, MOM requires business owners to insure their manual employees. Examples of manual workers include photographers, photography assistants, prop assistants, etc. WICA regulations also requires you to insure any worker who earns $2,600/month or less.
Public Liability Insurance: Consider a minimum of $500,000 coverage.
Commercial Property Insurance: Consider at least $100,000 coverage.
Business Interruption Insurance: Consider at least $50,000 coverage.
Foreign Worker Medical Insurance: Singapore law requires employers to insure each foreign worker with Foreign Worker Medical Insurance. If your foreign worker is also a manual employee (e.g. a photographer), then you must purchase both Work Injury Compensation Insurance and Foreign Worker Medical Insurance.
How much does Photographers Insurance cost?
Coverage | Coverage amount (example) | Premium |
$10 million common law annual limit $45,000 medical expenses cover per worker | From $19/month, for a comprehensive Photographers Insurance Package deal
| |
$500,000 | ||
$100,000 | ||
$10,000 | ||
$100,000 | From $49/month |
Why use Provide for Photographers Insurance?
Save up to 25% on your premiums
Save time with our convenient online platform to get quotes, file claims, and manage policies
Expert insurance team with 20+ years combined experience serving both SMEs and large multinational firms
Available by phone 7 days/week