Photo booth insurance guide
A guide to photo booth insurance
Booth Cover arranges five kinds of insurance for Australian photo booth operators. Public liability pays if you're found responsible for someone's injury or damaged property, and two covers for your own gear can go onto it. Trailer insurance and air and sea shipping insurance protect the trailer you tow and the booths and gear you import.
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Public liability insurance
Public and products liability pays when your booth, DJ, photography or videography work injures or kills someone, or damages their property, through your negligence. That means carelessness a sensible operator would have avoided. You choose a limit of $5 million, $10 million or $20 million when you get a quote.
General property and electronic equipment breakdown can be added to it to cover your own gear as well.
Read the public liability Product Disclosure Statement (PDS), the insurer's full termsWhat is public liability insurance?
It protects you when you're legally liable for someone being hurt or killed, such as a guest at an event. The harm can come from you, from your staff, or from a product you sell, supply or use.
Who should consider public liability insurance?
Any business that deals with the public. A photo booth at an event has guests crowding around it, and that's where accidents happen.
How much cover do you provide for public liability insurance?
You choose $5 million, $10 million or $20 million in public and products liability, and the insurer has to accept your application. The limit you choose is printed on your Insurance Certificate, the insurer's record of what your policy includes.
What sorts of things are potentially covered under public liability insurance?
A booth tipping over and hurting a guest or damaging the venue. You or a worker injuring someone or breaking something, or a guest tripping over one of your cables or props.
What is not covered under public liability insurance?
Anything intentional, illegal or criminal, and gross negligence, which is a reckless disregard for safety. If you or one of your workers gets hurt, or your gear or theirs is damaged, this policy doesn't pay.
What are some of the variables in public liability cover that can directly affect the pricing?
How many photo booths or stations you run. Each extra booth at events is one more place an accident can happen, so the premium, the amount you pay for cover, goes up.
I offer services other than photo booths, will you cover them too?
DJ, photography and videography work is included in Booth Cover public liability. For any other kind of work, ask Grace Insurance, the broker that runs Booth Cover and arranges cover with insurers, for a custom quote.
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Add-on: general property insurance
Booths, plus any DJ, photography and videography equipment, are covered for accidental damage and theft anywhere you take them in Australia. You pick the sum insured, the cap on what a claim pays. Set it at the price of buying all that gear again.
It's an add-on, so it can only go onto a Booth Cover public and products liability policy, not be bought by itself.
Read the general property PDSWhat is General Property Insurance?
It covers sudden, unexpected damage to your booths, or their loss or theft, day or night, anywhere in Australia. That includes your premises, a customer's venue, and the road while you or your workers move them. On restricted cover, the narrower of two levels, theft is only covered after a visible, forced break-in to a locked building or vehicle.
Who should consider General Property Insurance?
Anyone who hires out photo booths. Replacing or repairing one can cost a business a lot, and with cover in place you won't have to find most of that money yourself.
How much General Property Insurance cover do you provide?
You set the amount, called the sum insured. Make it the replacement value of the booths and gear you want covered, since that's the most a claim will pay.
What sorts of things are potentially covered under General Property Insurance?
A booth falling while you unload it from a van or trailer, or getting damaged on the road or in a traffic accident. Fire or storm damage at your premises or a customer's, and theft from either place or from a van, are covered too. A claim pays for the repair or a replacement, up to your sum insured.
What is not covered under General Property Insurance?
Normal wear and tear, and anything stolen by your own workers.
What are some of the variables in General Property cover that can directly affect the pricing?
The total value of the photo booths you put on the policy. A higher sum insured means a higher premium.
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Add-on: electronic equipment breakdown insurance
Electronic equipment breakdown pays up to $5,000 to repair a booth or other electronic gear that stops working because of an electrical or electronic fault.
You can add it once your Booth Cover public and products liability policy already has general property on it.
Read the equipment breakdown PDSWhat is Electronic Equipment Breakdown Insurance?
It pays for repairs when your electronic equipment breaks down from a cause you couldn't have seen coming.
Who should consider Electronic Equipment Breakdown Insurance?
Anyone with booth electronics or other gear that would cost a lot to fix after a breakdown.
How much cover do you provide for Electronic Equipment Breakdown Insurance?
Up to $5,000 for repair or replacement, once the insurer accepts your application.
What sorts of things are potentially covered under Electronic Equipment Breakdown Insurance?
The reasonable cost of repairing electronic equipment, up to $5,000, after an electronic or electrical disruption.
What is not covered under Electronic Equipment Breakdown Insurance?
Breakdowns from computer viruses, insects, moths or vermin, wear and tear, the weather or moisture. Getting lost data back isn't included, and equipment more than 10 years old isn't covered.
What are some of the variables in Electronic Equipment Breakdown cover that can directly affect the pricing?
None. This cover pays a maximum of $5,000 for any one loss or damage claim.
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Trailer insurance
Trailer insurance covers a photo booth trailer, up to $10,000, against theft and damage.
Your car or van insurance usually doesn't cover a trailer you tow, so the trailer needs cover of its own.
Read the trailer PDSWhat is Trailer Insurance?
It covers a trailer worth up to $10,000 if it's damaged or lost. Fire, flood, hail, an accident, theft or attempted theft, and someone damaging it on purpose are all covered.
Who should consider Trailer Insurance?
Anyone who owns and tows a trailer, since the towing vehicle's insurance doesn't normally cover it.
How much cover do you provide for Trailer Insurance?
Up to $10,000, once the insurer accepts your application.
What sorts of things are potentially covered under Trailer Insurance?
Damage or loss in a traffic accident, or while the trailer is unhitched and securely parked.
What is not covered under Trailer Insurance?
Loss or damage while the trailer is unroadworthy or unsafe, or being used against the law.
What are some of the variables in Trailer cover that can directly affect the pricing?
Only how many trailers you insure.
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Air and sea shipping insurance
Air and sea shipping covers photo booths and equipment you import, against damage or loss on the way to Australia by plane or ship.
It suits a booth bought overseas when the supplier doesn't insure it in transit.
Read the air and sea shipping PDSWhat is Air and Sea Shipping Insurance?
It covers your photo booths and equipment against damage or loss while they're shipped from another country to Australia.
Who should consider Air and Sea Shipping Insurance?
Anyone bringing in booths or related gear from overseas whose supplier won't insure the goods while they travel.
How much cover do you provide for Air and Sea Shipping Insurance?
It depends on the shipment. Set it at the cost price of the goods plus the shipping cost plus 10%.
What sorts of things are potentially covered under Air and Sea Shipping Insurance?
Damage or loss from a storm, the ship sinking or the plane crashing.
How long are goods covered for under Air and Sea Shipping Insurance?
Door to door, from the supplier to you, depending on the terms of your purchase.
What is not covered under Air and Sea Shipping Insurance?
Damage that was there before the goods left, or caused by poor packing if you packed them or they were packed before the insurance started. Delays, a mechanical, electrical or electronic breakdown with no outside cause, and normal wear and tear aren't covered either.
What are some of the variables in Air and Sea Shipping cover that can directly affect the pricing?
The amount of cover, which should be the cost price plus shipping plus 10%.
Important information
- $250Basic excessThe excess is the part of each claim you pay before the insurer pays the rest.
- +$500Extra excess for theftAn additional $500 when something is stolen from premises or a vehicle that was empty and unlocked. Restricted cover doesn't pay for that theft at all, because it needs a forced break-in.
Every cover has its own exclusions and conditions. The full list for each one is set out in its Product Disclosure Statement (PDS) and policy wording, so read them first.
Do you offer more than photo booths?
Booth Cover public liability already includes DJ, photography and videography work. If you run another kind of business too, get in touch and Grace Insurance will look into a custom quote for it.
Ask about a custom quoteQuestions about a cover?
Tell us about your booths and the events you work, in as much detail as you can, and someone from Grace Insurance will reply. If you'd prefer to talk, ring 1800 556 777.
- Phone1800 556 777Mon to Fri, 8:30am to 5:00pm AWST
- Emailinfo@
graceinsurance.com.au - Head officeUnit 14, 115 Grand BoulevardJoondalup WA 6027
Booth Cover is run from Grace Insurance's head office at Unit 14, 115 Grand Boulevard, Joondalup WA 6027. The office is open Monday to Friday, 8:30am to 5:00pm Perth time (AWST).