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Category: Photography Insurance

Inland Marine Insurance University

Camera Equipment on Professional Photoshoot Set

Portrait photographer, photojournalism, fashion photography, sports photography, editorial photography, lifestyle photography, nature photography, the list could go on and on! Does your photography business fall into one of these categories? If it does, you may have taken a class or two to give yourself that professional edge and that’s awesome! You’re working your biz and […]

Photography Insurance: Errors And Omission Coverage

two photographers editing photos on computer

One of the best things you could do for your photography business is to protect it with photography insurance. With insurance for photographers, you can protect multiple aspects of your business including your camera equipment, where you take photos, and how you store your client information.  Photography insurance not only protects your business but also […]

Drone Coverage Insurance

Drone Coverage is a type of inland marine coverage (aka equipment coverage). It protects your investment in your gear by helping pay to repair or replace drones used for your business that are broken or stolen. You can add Drone Coverage to any Annual+ policy.

Important note: To qualify for Drone Coverage, you also need to carry Drone Liability Insurance, which covers your risk of harming other people or their property while operating your drones.

Drone Liability Insurance

Drone Liability Insurance covers your risk of physically injuring someone else or damaging their property while operating a drone. For example, if your drone clips a sign or drops onto someone’s car, this coverage could pay for repair costs or medical bills. You can buy it as an add-on to any Annual or Annual+ policy.

Data Breach (Cyber Liability)
(Optional With Annual Plans Only)

Cyber liability insurance protects your business from the costs you face because of a cybersecurity breach. Cybercrime is a common threat to 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 in your policy.

Failure to Deliver (Professional Liability)
(Optional With Annual Plans Only)

Failure to deliver coverage — also known as professional liability or errors and omissions — protects your business from the cost of negligence claims. These can arise from professional mistakes, like giving bad instructions, memory card or equipment failures ruining your shoot, or a last-minute illness that means you can’t fulfill your contract.

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 is designed to protect your business from the cost of third-party bodily injury and property damage claims (like if a client trips over your gear at a shoot and injures themselves). It also protects against the cost of copyright infringement claims and personal and advertising injury claims.

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 (Inland Marine)
(Optional With Annual Plans Only)

Also known as inland marine insurance, camera equipment coverage protects your business from the cost of repairing or replacing damaged or stolen business equipment. This includes camera bodies, lenses, lighting equipment, and business equipment. We offer multiple levels of equipment coverage based on your business needs.