Medical Expense Limit
Full Frame Insurance (FFI) helps you protect client trust with coverage for third-party injuries, regardless of fault.
Benefits of Medical Expense Limit Coverage for Photographers and Videographers
A photo or video shoot may be going well, but what happens if someone gets hurt? No matter who’s at fault, you could be held responsible for their hospital bills. That’s where medical expense limit coverage under our general liability policy comes in.
This coverage:
- Pays up to $5,000 per person for no-fault injuries
- Comes included with general liability coverage in all of FFI’s policy tiers at no extra charge
- Pays for medical bills, including ambulance rides, hospital stays, and ongoing treatment
Just One Medical Bill Can Drain Your Business Profits
But it doesn’t have to, thanks to FFI’s medical expense limit insurance! This policy covers claims like these, so you don’t pay for them out of your own wallet:
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 Medical Expense Limit Coverage?
Your medical expense limit is the amount your general liability policy will pay for third-party medical bills. In other words, if your business faces a claim for medical expenses (whether you’re at fault or not), your insurance can pay up to $5,000 per person.
Is Medical Expense Limit Insurance Required for Photographers?
Medical expense limit insurance is not a legal requirement, but it is essential financial protection for your business. Without it, you could have to pay for pricey medical bills out of pocket, such as:
- X-rays
- Hospital stays
- Ambulance rides
- Funeral expenses
Who Needs Medical Expense Limit Coverage?
You need medical expense limit coverage if you work in-person with other people, such as models, venue personnel, and clients. If there is a risk of somebody being injured by or around your business, you need this coverage.
This insurance is designed for these business types:
How Much Does Medical Expense Limit Coverage Cost?
Medical expense limit coverage is included under FFI’s general liability insurance at no extra cost in all of our tiers:
- Event: $59/event for 1-3 days
- Annual: $12/month or $129/year
- Annual+: $23.83/month or $271/year
Coverage Details & Limits
Take a closer look at our coverage details and pick the policy that meets 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.
FAQs About Medical Expense Limit Insurance for Photographers and Videographers
How Is Medical Expense Limit Coverage Different From General Liability Insurance?
Medical expense limit coverage covers medical costs that arise from claims against your business, regardless of who’s at fault. For example, if a client slips and falls on a wet studio floor, this coverage could cover their medical bills.
General liability insurance pays for third-party injuries or damages caused by your business. For example, if you accidentally gouge a hole in a client’s wall, your general liability insurance can cover the repair costs.
Does Medical Expense Limit Coverage Apply if the Injury Happens After the Photoshoot Ends?
Yes, medical expense limit coverage applies if an injury occurs after a photo shoot ends, because risks and injuries can happen before, during, or after a session.
Can Medical Expense Limit Coverage Protect My Reputation With Clients After an Accident?
Certainly! Medical expense limit coverage can protect your reputation with clients after an accident because it shows you’re prepared for the unexpected and have their best interests in mind.
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.