Commercial Photographer Insurance
Protect your commercial photography business. Purchase online in ten minutes or less.
- A plan that grows with you: add up to $75,000 in camera equipment insurance
- Bundle Camera and General Liability insurance from $23.83/month
- $2 million general liability coverage to meet contract requirements
- Get customizable year-round protection or a short-term (1–3 day) event policy
Safeguard Your Passion: Don't let gear malfunctions or accidents hurt your operation. Protect your gear and your finances today
Commercial Photography Policies
Protect your commercial photography business with annual photographer insurance coverage. Get up to $2 million general liability coverage, up to $75k in camera equipment insurance, and additional policy options for customized coverage.
If you only need short-term coverage, our event policy provides the basic protection photographers need over a 3-day period. With an event policy from Full Frame Insurance (FFI), you’ll never have to worry about insurance when you don’t absolutely need it.
- General Liability (2M Limit)
- Products-Completed Operations (2M Limit)
- Up to $75k of Camera Equipment Protection
- Additional Coverage Options Available
- Photographers & Videographers
- Long Term Liability Coverage
or $271/year
- General Liability (2M Limit)
- Products-Completed Operations (2M Limit)
- Up to $75k of Camera Equipment Protection
- Additional Coverage Options Available
- Photographers & Videographers
- Long Term Liability Coverage
or $271 / year
or $129 / year
Do Commercial Photographers Need Liability Insurance?
Your commercial photography business faces a lot of risks. A client could trip over a light stand. A backdrop could damage a venue wall. Your gear could be dropped, stolen, or damaged on the job.
Commercial photographer insurance covers the costs of these kinds of claims, so that one mishap doesn’t put your business on hold. FFI offers high-quality, affordable photography insurance coverage tailored to your needs.
Customize your plan with general and professional liability, camera equipment coverage, and more, so you can focus on creating great work knowing you’re protecting what you’ve built.
Benefits of Commercial Photography Insurance
You don’t have to run a big studio to need insurance.
Whether you photograph weddings and events, capture school portraits or team sports, shoot food or products for businesses, create fine art, or work as a freelance photographer across different projects… If you’re being paid for your work, your photography is a business. And that business deserves protection.
Safeguarding the business you’ve built with photography insurance does more than just check a box, it provides very real peace of mind.
The right policy can help you look more professional to clients, feel more confident on set, and stay protected from the high cost of unexpected claims. Whether someone is injured on a shoot or your camera gear gets damaged, insurance can help cover those costs so one accident doesn’t derail your business.
What Does Commercial Photography Insurance Cover?
We know that photography is not only your profession but your passion. That is why we offer a range of coverage options, including:
- General liability for third-party physical injury or property damage claims
- Camera equipment coverage to protect your investment in the tools and gear your business relies on day in and day out
- Professional liability to cover professional mistakes
- Data breach coverage (called cyber liability) to help if your online systems get hacked
Learn more about how FFI’s liability insurance coverages work together so that you can work protected.
Fine Art Photographer Insurance
You don’t “just take pictures,” you share your artistic vision with the world. That often means working in galleries, studios, outdoor locations, and around clients, models, or crews. Our commercial photography coverage is designed with fine art photographers in mind, offering both event and annual policies with flexible limits.
Food Photographer Insurance
What would happen if a spill, slip, or broken plate turned your food photoshoot into a costly accident? Food photography often involves busy kitchens, props, hot surfaces, and tight spaces. Our coverage is built to help protect your food photography business from the financial impact of unexpected claims.
Macro Photographer Insurance
Macro photographers give a whole new meaning to “up close and personal,” and that kind of detailed work can come with real-world risks. FFI’s commercial photographer insurance helps protect your business from the cost of liability claims, whether you’re shooting in a studio, on location, or somewhere in between.
Here’s a breakdown of our coverage
Frequently Asked Questions About Commercial Photographer Insurance
Commercial photographer insurance is business insurance designed for photographers who get paid for their work. It can cover third-party bodily injury and property damage claims, damage or theft of your camera gear, and certain professional errors (depending on the coverages you choose).
Professional photography insurance from FFI costs as little as $12 per month or $129 per year. Event policies start at $59 for up to 3-day coverage. You may pay more depending on the coverage and limits you choose for your business.
If you earn money from your photos, you’re running a photography business that needs insurance. Commercial photographer insurance works well for many photographers, including wedding, food, event, school portrait, sports, fine art, and freelance photographers, as well as photographers who primarily work online or create content for brands.
Yes; adding a qualified additional insured to your policy is easy, and you can do that right from your dashboard, or add it when buying your policy online.
Yes; as long as you’re operating within the law and your client contracts, your use of editing tools or AI doesn’t disqualify you from coverage. Your liability coverage is primarily focused on things like bodily injury, property damage, certain professional mistakes, and covered cyber incidents — not the specific software you use.
Yes, if you choose our Annual+ plan, your camera and business equipment are covered. You can also add camera equipment insurance (aka inland marine) to any annual policy. While it’s optional, it’s recommended, as it can help cover the cost of repairing or replacing cameras, lenses, lighting, and other gear if they are damaged or stolen (up to the limits you choose).
- Matnetik
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