Failure to Deliver
(Professional Liability) Insurance
Your reputation takes years to build, and one mistake can tear it down. Full Frame Insurance (FFI) offers professional liability coverage to protect your business from unexpected mistakes.
Benefits of Professional Liability Insurance for Photographers and Videographers
Creative photography and videography work often comes with surprises. For example, a client says a canceled shoot caused them financial loss and sues you. Professional liability coverage is designed to cover incidents like this and shield you from paying for those legal fees out of pocket. Full Frame’s coverage:
- Pays up to $200,000 per year for covered professional liability claims
- Safeguards your business from claims of negligence or breach of contract
- Gives your business reliable, year-round protection
- Builds customer trust by showing you’re prepared if mistakes happen
Why Get Professional Liability Coverage? One Mistake Can Damage Your Profits and Reputation
Even the most seasoned professional photographer makes mistakes occasionally. But with FFI’s professional liability coverage, you won’t have to face claims like these alone:
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
What Is Professional Liability Insurance for Small Businesses?
Professional liability coverage is financial protection if clients say you made a mistake or overlooked crucial details during a photo or video shoot — even if you did nothing wrong. It’s built to cover legal defense costs, settlements, and claims of negligence and contract breaches.
Is Professional Liability Business Insurance Required for Photographers?
It’s not a legal requirement to have professional liability business insurance, but it can financially shield you from paying for these fees out of pocket:
- Legal trials
- Attorney fees
- Court filings
- Settlements
- Expert witnesses
- Travel costs
Who Needs Professional Liability Coverage?
You need professional liability coverage if your photography or videography business:
- Provides photography or videography services for events like weddings or parties
- Teaches photo or video classes
- Gives seminar or conference presentations
This coverage is designed for these types of photographers and videographers:
How Much Does Professional Liability Insurance Cost?
Professional liability insurance is optional coverage you can add to your Full Frame general liability policy. It costs $8.33 a month, or $100 per year under our Annual and Annual+ tiers.
Coverage Details & Limits
Take a closer look at our coverage details and pick the policy that meets your needs!
Annual Plus
Includes camera gear protection. Protects professional photographers for a full year.
$22.83/ month
- Cameras, Lenses, and More Protected
- $2,000 per item / $20,000 aggregate
- Professional and Cyber Coverage Available
Photography Equipment Insurance Details
You can add to your Annual Plus coverage with the following options:
-
$5,000 per item/$30,000 aggregate - [MOST POPULAR] + $12/year
-
$10,000 per item/ $60,000 aggregate + $145/year
-
$15,000 per item/ $75,000 aggregate + $229/year
* $250 Deductible
FAQs About Professional Liability Insurance for Photographers and Videographers
What Doesn’t Professional Liability Coverage Cover?
Professional liability coverage does not cover:
- Venue or event space damages
- Injuries to people outside of your business
- Damage done to rented studios
- Stolen or broken cameras or gear
However, your general liability insurance covers venue and rented space damages and medical injuries if someone else gets hurt at your shoots. Our camera gear and film equipment coverages defend against damaged or stolen equipment.
Is Professional Liability Insurance Still Useful if I Work Part-Time or Freelance?
Yes, professional liability insurance is still beneficial if you’re a part-time or freelance photographer or videographer. Unexpected mistakes or accidental oversights can happen anytime, and this coverage keeps your business protected from surprises.
What Other Types of Business Insurance Do I Need?
Other types of insurance you need for your photography or videography business include:
- General liability insurance for guest injuries or venue damages during shoots or accidental reputation harm from your advertising efforts
- Camera equipment insurance protects you from paying out of pocket for camera and other gear damage or theft
- Data breach (cyber liability) insurance covers data retrieval and legal fees if a hacker steals your customers’ information
Chris Van Leeuwen, CIC | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.