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Full Frame Featured in Small Business Blog

Balance Small Business featured Full Frame in a recent blog article. The Balance Small Business is an online resource for both large and small business owners. They provide information and resources to those just starting a business, those seeking to take their business to the next level, and those who are just looking for information.

The Balance Small Business provides editorial guidelines and product recommendations for small business owners. As well as helpful editorials and recommendations, the Balance Small Business is home to experts who provide “clear, practical advice on entrepreneurship and management”.

With over 20 years of experience and a library with more than 7,000 pieces of content, business owners are sure to find the answers to all their business needs.

In addition to editorial guidelines, the Balance Small Business provides product recommendations.

Full Frame Insurance

In a blog by the Balance Small Business, titled “The 5 Best Photography Insurance of 2021”, they highlight Full Frame as the best insurance for hobbyists.

Full Frame provides photographers with customizable coverage for gear and liability coverage. Coverage options include single event coverage, general liability, and equipment coverage. Full Frame also provides additional coverage for those who need more protection. Starting at $59 for a single event, Full Frame also provides annual coverage starting at $129.

Types of Coverage

Full Frame Insurance offers photography businesses general liability coverage, camera equipment coverage, damage to rented premises, professional liability, cyber liability, and increased limits.

General Liability

This type of insurance can protect your photography business from the cost of third-party bodily injury and property damage claims. An example would be if a client trips and injures themselves on your equipment. General liability coverage can also protect your business against the cost of copyright infringement claims as well as personal and advertising injury claims.

Camera Equipment Coverage

This type of coverage is a fantastic option if you want to protect your camera and equipment. As a photographer, your equipment is the heart of your business and you want to keep it safe. This coverage protects against claims that may happen on the job, at home, or anywhere in between. There are several options for equipment protection based on your business needs.

Damage to Rented Premises

Do you sometimes rent a studio? Or what about an event booth? This coverage extends protection to locations you rent while working. It is common for property owners and event organizers to require you to list them as additional insureds on a policy.

Professional Liability

This coverage can protect your photography business from claims that may arise from professional errors and omissions. An example of this would be failing to provide the necessary information or failing to give enough direction. If you teach classes or provide demonstrations, we highly recommend adding this coverage to your policy.

Cyber Liability

Do you store information online, on a tablet, or mobile phone? If so, this coverage is for you. With cyber crime on the rise, it is important to protect not only your business information, but your client’s information as well.

Increased Limits

As a business owner it is hard to predict when accidents could happen. If you need additional protection against bodily injury or property damage claims you have the option of increasing your policy limits.

Try it For Yourself

We can go on and on about how much we love Full Frame Insurance for photographers, but it isn’t until you try it for yourself that you’ll see what we’re talking about. We know your photography business needs are diverse, and so are our coverages. With plans that are customized for your photography business, you can rest easy knowing that your business is covered and protected.

Protect Your Business Today

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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.

'Failure to Deliver' Coverage
(Professional Liability)

‘Failure to Deliver’ Coverage, also known as 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.