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Photography Insurance

Camera Equipment on Professional Photoshoot Set

Inland Marine Insurance University

Leave a Comment / Photography Insurance, Videography Insurance /

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

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two photographers editing photos on computer

Photography Insurance: Errors And Omission Coverage

Leave a Comment / Photography Insurance /

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

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

Data breach insurance can cover the cost of claims that arise from a cybersecurity breach. If you collect or store client info or photos online, take payments over the internet, or send sensitive data over email, we highly recommend adding this coverage to your policy.

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

Failure to Deliver, aka professional liability or errors and omissions (E&O), can cover the cost of claims that arise from mistakes, like if your memory card fails and your client’s photos are lost, an unexpected illness prevents you from being able to shoot an event, or you inadvertently give poor or incomplete advice as part of a demo.

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 cover the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves, or you accidentally damage furnishings or flooring at a venue. 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 (Inland Marine)
(Optional With Annual Plans Only)

Also known as inland marine, camera equipment insurance can cover the cost of repairing or replacing damaged or stolen business equipment (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.