General Liability Insurance
Get a “close-up” on FFI’s general liability insurance and protect your photography or videography business in 10 minutes or less.
Benefits of General Liability Insurance for Photographers and Videographers
Risks can photobomb your business. General liability insurance is designed to crop out costly claims that can drain your profits, so you can capture moments stress-free!
Think of general liability as an extra memory card you didn’t know you needed, but were glad you packed. This coverage can save you from unexpected expenses and ensure your business is ready to book more sessions. FFI’s coverage:
- Pays qualifying claims up to $2 million per year and $2 million per occurrence
- Provides affordable monthly pricing for our annual policies starting at $12 per month
- Saves you from paying out-of-pocket for bodily injuries or property damage claims
- Protects against advertising mistakes or damages you accidentally caused to rented spaces
Accidents Can Cost You. FFI Has Your Back.
General liability covers risks that can occur at any photo shoot or filming session, such as:
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 General Liability Insurance & What Does It Cover?
Our photographer and videographer liability insurance bundles five types of protection into one coverage that defends your business from costly risks.
General Liability
General liability protects against medical injuries and property damage that may happen during your photoshoots or video sessions.
For example, your tripod may fall and injure a model’s foot, or your softbox scuffs a studio floor. Without this coverage, you could look at hundreds or thousands of dollars in bills you’d have to pay out of pocket.
Personal and Advertising Injury
This coverage protects you from claims regarding personal or reputational damage. Lawsuits alone can cost you thousands or hundreds of thousands. Personal and advertising injury can cover libel, slander, invasion of privacy, and similar claims.
For example, a competitor claims your social media ads caused them to lose customers and files a lawsuit. Or you used photos of a subject in your marketing materials without their permission.
Products - Completed Operations
This coverage protects you from claims where your products didn’t meet the customer’s expectations.
For example, a wedding couple asks you to make digital and printed photos of their special day. When you deliver the final products, they’re unhappy with the pictures. They say several photos have printing defects that make them blurry, and they sue you.
Damage to Premises Rented to You (Any One Premises)
Damage to premises rented to you protects you from paying out of pocket for property damage you may cause to a rented facility, such as a studio or office building.
For instance, you may have lit scented candles in your studio while editing your photos. You leave to get your order from the DoorDash driver at the front door. While you’re gone, one candle suddenly falls over and starts a small fire.
Medical Expense Limit (Any One Person)
General liability protects you from injuries you or your business causes.
The medical expense limit in your general liability coverage offers $5,000 for physical injury medical bills if someone gets hurt on your property or because of your photo or video sessions. This “emergency” fund covers you even if you’re not legally at fault for the injury.
General Liability Insurance Explained
Is General Liability Insurance Required for Photographers?
General liability insurance is not a legal requirement for photographers or videographers, but most event planners and studios require it before hiring you. Here are business perks that come with liability insurance:
- Sets your business apart from competitors: Insurance is your seal of approval — it’s documentation that shows clients, venue owners, and event organizers you’re prepared if something goes wrong.
- Protects you from paying pricey claims: Property damage, medical expenses, and personal and advertising injury lawsuits can drain your business. General liability protects your passion so you can keep capturing moments.
- Defends against the unexpected: One of your studio lights falls over and crushes your subject’s foot, putting them out of work for two months and you in a $20,000 lawsuit. Liability insurance gives you absolute peace of mind so your dream career doesn’t become a blurred memory.
Who Needs General Liability Insurance?
All photographers and videographers need general liability insurance to protect their businesses from unexpected risks. It’s a pro move to get a policy if you:
- Work in clients’ homes, public venues, or rental studios
- Shoot at weddings, events, or commercial locations
- Interact with clients, assistants, or others during photoshoots
- Use props or lighting elements in your work
If you do any of the following, general liability is a must. FFI offers general liability coverage for the following types of photographers and videographers:
How Much Does General Liability Insurance Cost?
Under our annual policy, general liability insurance costs $12 a month or $129 a year. Our event coverage starts at $59 for a 1–3 day event.
Coverage Details & Limits
Take a closer look at our coverage details and pick the policy that fits your needs!
What's Included?
What You Can Add
Annual Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit $2,000,000
-
Personal and Advertising Injury Limit $1,000,000
-
Each Occurrence Limit $1,000,000
-
Damage to Premises Rented to You Limit (Any One Premises) $300,000
-
Medical Expense Limit (Any One Person) $5,000
Pricing
-
$0-$100,000 in Annual Sales $129
-
$101,000-$200,000 in Annual Sales $209
$2M Occurrence/$2M Aggregate
-
$0-$100,000 in Annual Sales +$6.42/month
-
$101,000-$200,000 in Annual Sales +$16.50/month
Equipment Insurance Pricing
-
$5,000 per item/$30,000 aggregate +$12
-
$10,000 per item/ $60,000 aggregate +$145
-
$15,000 per item/ $75,000 aggregate +$229
-
Deductible $250
What's Included?
What You Can Add
Annual Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit $2,000,000
-
Personal and Advertising Injury Limit $1,000,000
-
Each Occurrence Limit $1,000,000
-
Damage to Premises Rented to You Limit (Any One Premises) $300,000
-
Medical Expense Limit (Any One Person) $5,000
Pricing
-
$0-$100,000 in Annual Sales $129
-
$101,000-$200,000 in Annual Sales $209
What's Included?
What You Can Add
Event Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit Excluded
-
Personal and Advertising Injury Limit $1,000,000
-
Each Occurrence Limit $1,000,000
-
Damage to Premises Rented to You Limit (Any One Premises) $300,000
-
Medical Expense Limit (Any One Person) $5,000
Pricing
-
1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
General Liability Insurance FAQs for Photographers and Videographers
Is General Liability Insurance Required by Law?
General liability insurance is not required by law, but it can protect you and your business from paying out of pocket for expensive claims or lawsuits. It also boosts your reputation and shows clients and potential customers that you take protecting your business seriously.
What’s Not Covered Under General Liability Insurance?
- Any injuries you (the photographer or videographer) sustain during a photoshoot or filming session
- Stolen or damaged gear
- Cybertheft of your customers’ photos or sensitive data
- Claims that exceed $5,000
- You currently or in the past have photographed or filmed any “adult material”
For more exclusions, contact us at 844.670.1078 or email info@fullframeinsurance.com.
What If I Need More Than General Liability Coverage?
If you need more than general liability coverage, you can add these optional add-on coverages to your annual or annual+ policy:
- Camera Equipment Coverage (Inland Marine): For stolen or damaged gear
- “Failure to Deliver” (Professional Liability): If you can’t make a shoot at the last minute
- Data Theft Protection (Cyber Liability): If someone hacks and steals your customer data
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.