Additional Insureds
Sometimes venues, property owners or managers, and other clients ask you to list them as an “additional insured” on your liability insurance policy. Why? Because naming them this way extends your insurance coverage to them in case they’re sued alongside you or because of your actions.
What Is an Additional Insured?
An additional insured is typically another professional entity, like a venue owner or event organizer, that could be named in a lawsuit due to your services, actions, or negligence.
Additional insureds on your photographer insurance benefit from the same protections you do if you’re both sued. It’s common practice in the industry, and many clients or vendors will require you to add them to your policy before they’ll work with you.
Your insurance will cover those you’ve listed as additional insureds. But, you will not be held responsible for their operations just because you added their name to your policy.
What Coverage Do Additional Insureds Receive?
Additional insureds receive the same coverage with the same terms as the policy you have for yourself.
FFI policies provide up to $2,000,000 total coverage in one policy year for general liability. This and your other coverages are shared between you and your additional insureds.
Who Can Be Listed as an Additional Insured?
Additional insureds can be anyone with a direct, professional connection to your business. Some common additional insureds include:
- Landlords who own the studio you rent or work in
- Businesses that hire you as an independent contractor
- Property owners who own the location you use for shoots
- Event planners who coordinate things like weddings, conventions, or festivals
- Other organizations, like state and national park departments
Who Can’t Be Listed as an Additional Insured?
People who don’t qualify as additional insureds on your FFI policy include:
- Business partners
- Employees
- Friends or family
- Spouses
Even if these people help you occasionally with your business or even provide similar services as you, your policy cannot be extended to them.
Who Needs to Include Additional Insureds?
Photographers and videographers typically need to add additional insureds to their policy when they:
- Rent studio space
- Shoot in national and/or state parks
- Work in spaces where the landlord or business owner requires their name to be listed as an additional insured
- Are listed as “preferred vendors” by wedding and other event venues
However, if you’re not specifically required to name additional insureds as part of your contract or as a condition of employment, you may not need to add the other business entity on your policy.
How Much Does an Additional Insured Cost?
FFI annual policies have two options for adding additional insureds. You can add a single additional insured for $15 per year. Or, you can add unlimited additional insureds for only $30 per year.
Event policies allow you to purchase unlimited additional insureds for only $5.
How Do I Add Additional Insureds to My Policy?
Adding additional insureds to your insurance policy is simple. You can do it when you sign up for your initial policy by following the prompts at sign-up. You can also add them anytime after that through your client portal. Simply follow these steps:
Current policyholders:
- Log in to your dashboard
- Click on the “Add Additional Insureds” button under the “Manage Policies” section
- If you’re adding more than one additional insured, click “Add Unlimited Additional Insureds”
- Select the type of additional insured you’re adding and add their contact information
- Input and process your payment information, and review your updated policy
First-Time Customers:
- While purchasing your Full Frame Insurance policy, you’ll be asked if you want to add any additional insureds
- Add the additional insured’s information
- For an annual policy, choose your payment of $15 for one or $30 for unlimited. For event policies, pay $5 for one or unlimited additional insureds (this cost will appear on your final checkout screen)
Full Frame Reviews
Here’s what other photography professionals have to say about their experience.
Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!
The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
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.