Specialized drone insurance for wedding photographers, event planners, and celebration professionals - protecting your most precious moments
Aerial wedding photography has become a must-have service in New Zealand's $1.2 billion wedding industry. Couples increasingly expect cinematic aerial footage to capture their special day, creating both opportunities and unique risks for photographers.
$5M liability + equipment up to $15K
$10M liability + comprehensive protection
$20M+ liability + celebrity protection
Incident: Drone lost control during reception flyover, crashed into wedding party table, injuring maid of honor requiring hospital treatment.
Damages: $45,000 medical costs, $15,000 emergency transport, reception disruption, wedding video loss, legal costs.
Insurance Response: Public liability covered all medical and legal costs. Professional indemnity covered video recreation costs.
Incident: Sudden wind gust caused drone to crash into heritage building's stained glass window during couple's vows.
Damages: $25,000 historic window restoration, ceremony disruption, venue relationship damage, couple's disappointment.
Insurance Response: Property damage liability covered restoration costs. Professional coverage handled venue relationship management.
Incident: Camera gimbal malfunction during exchange of vows resulted in unusable footage of the ceremony's most important moment.
Damages: Couple demanded full refund plus compensation for irreplaceable moment loss, totaling $12,000 claim.
Insurance Response: Professional indemnity covered refund and compensation. Equipment coverage provided replacement gear.
Incident: Aerial footage inadvertently captured private moments of high-profile guests, leading to privacy violation and media leak claims.
Damages: $75,000 privacy settlement, $30,000 legal defense, reputation management costs, industry relationship damage.
Insurance Response: Privacy liability coverage handled settlement and legal costs. Professional indemnity provided ongoing support.
Wedding portfolio, venue relationships, seasonal patterns, target market analysis
Typical guest numbers, venue types, equipment values, service delivery guarantees
Crowd management procedures, weather contingencies, emergency response plans
Liability limits, professional indemnity, equipment protection, privacy coverage
Contract terms, venue requirements, certificate provision, ongoing support
Processing Time: 3-7 business days for wedding photography applications. Peak season applications may require priority processing for urgent bookings.
Most wedding venues require minimum $5M public liability coverage with the venue named as additional insured. Premium venues often require $10M+ coverage and specific wedding event endorsements.
Professional indemnity insurance covers service delivery failures, including equipment malfunctions during critical moments. Coverage includes client compensation for irreplaceable moment loss and emergency equipment replacement costs.
Yes, public liability insurance covers guest injuries from drone operations. Wedding coverage should account for alcohol consumption, elderly guests, children, and emotional stress factors that may complicate incidents.
Most wedding photographers need $5-10M public liability coverage, professional indemnity protection, and comprehensive equipment coverage. Luxury or celebrity weddings may require $20M+ coverage.
Privacy liability coverage protects against unauthorized filming of guests, image usage disputes, and social media complications. This is essential for wedding photography where guest consent and privacy are critical.
Many policies include New Zealand-wide coverage, but international destination weddings require specific coverage extensions. Consider equipment transportation risks and international liability requirements.
Coverage continues in adverse weather, but operating outside safe conditions may affect claims. Weather-related equipment damage is typically covered, but reckless operation in dangerous conditions may void coverage.
Standard applications process in 3-7 days. Urgent wedding bookings can often get same-day coverage with rush processing. Keep certificates current to avoid last-minute venue compliance issues.
Get specialized drone insurance for wedding photographers with event-specific coverage and venue compliance