Catalina Bloch, a photo booth operator and industry speaker from Canada, has written about photo booth insurance for operators. Before photo booths, she worked in insurance, and her guide explains why booth businesses need cover and the words that come with it.
What the main terms mean on an Australian Booth Cover policy
- Public and products liability
- The cover that pays if your business is held responsible for hurting someone or damaging their property, including through something you use, supply or sell. Booth Cover's limits are $5 million, $10 million and $20 million.
- Excess
- The slice of each claim you pay yourself, before the insurer covers the remainder. On Booth Cover the basic excess is $250.
- Sum insured
- The dollar amount you put on your booths and gear. A claim is paid up to that figure, so it should match what replacing them would cost.
- Add-on cover
- Cover that can only go onto a public and products liability policy. General property and electronic equipment breakdown are both add-ons.
- Product Disclosure Statement (PDS)
- A document each insurer publishes for a cover. It lists what's covered, what isn't and the conditions on a claim.
- Insurance certificate
- The document you get when your policy starts. It shows your covers, your limits and any options you picked.
More on each cover
For the limits, exclusions and pricing of each of the five covers, read the photo booth insurance guide.