Camera equipment layout

4 Reasons Photographers Need Camera Equipment and Liability Insurance

As a photographer, your day-to-day work is unique. One day you can be in a studio with your own unique lighting and props, and be wandering around the outdoors the next. On these adventurous photo shoots, you have to haul around your best equipment, which we’re sure has a large price tag.

Before you set off on your next shoot, consider the following:

1. Make Sure You’re Covered From All Angles

Something you may not have thought of is that when you are on a photo shoot and you are giving your clients directions, you are responsible and liable for the instructions you provide them.

For example, let’s say that you’re walking along a rocky trail and you come across an enormous boulder that would make the perfect place to position your subjects on. You tell them to take their position on top of the rock and as they climb up the rock, one of them slips off and breaks their ankle.

Because you gave the directions to climb the rock, you may be held liable for any medical bills and damages that person incurs. You can even be found responsible by a court of law for the loss or damages your clients endured. If you don’t have liability insurance coverage, you may be required to pay for all of the expenses out of your own pocket.

2. More Than Just a Camera

Say you’re taking shots in a rocky area off a trail. What were to happen if you slipped and the camera hanging from the strap around your neck broke your fall? That’s not just a camera, that’s your livelihood.

If you have camera equipment insurance, you file a claim and the insurer assists with the expenses. If you don’t have insurance, then you either have to go out and buy all new equipment, which you may only be able to do if you have large enough savings. You might have to go into debt to buy a new one. Without being able to replace your gear, you’re out of work and would need to cancel your shoots. That’s lost revenue and lost trust from your clients.

3. What Happens When a Client is Injured?

If a client gets injured and requires a hospital stay, Full Frame Insurance can pay up to $5,000 of the medical expenses. So if your client’s medical bills are only $3,000 and that’s all paid for, they may be satisfied and decide not to take any legal action.

However, if your client is seriously injured and takes you to court then your general liability coverage may pay for your legal fees plus any other medical fees and damages that you are found liable for.

4. Renting a Studio

There’s nothing like shooting in a great studio. You can control the lighting, backdrops, colors, etc. However, if you, a member of your team, or even your model damages the studio or its contents, the damage to the premises rented to you coverage in your insurance policy from Full Frame can help.

You can get general liability coverage and camera equipment insurance from different insurance companies but purchasing these policies from the same place is more convenient and makes more sense fiscally. In some instances, buying both of these policies together from Full Frame Insurance is cheaper than buying camera equipment coverage alone from other companies.

To learn more about our camera equipment and general liability insurance policies, Click Here

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage


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Cyber Liability

Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

Professional Liability

Professional liability insurance can protect your business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Additional Insureds

When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

General Liability

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

Damage To Rented Premises

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, like a studio or event booth. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. Full Frame provides unlimited additional insureds for just $30.

Camera Equipment Coverage

Also known as inland marine insurance, camera equipment coverage can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.