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Professional wedding photographers capture the intimate moment when two people vow to become one. When it comes to documenting a client’s wedding, they know the proper shots, angles, and exact moments they need to shoot. But what they may not know is, wedding photographer insurance has four unique benefits that can help professionals become more successful.
1. Insurance for Wedding Photographers Fills Gaps in Contracts
Photographers may sign contracts with their clients, but a wedding venue may not allow a photographer to operate on premises without liability insurance. Once you have wedding photography insurance, you can add the wedding venue as an additional insured to fulfill most venue requirements.
What Is Wedding Photography Insurance?
Simply put, it’s coverage that protects you from claims of bodily injury and property damage caused by a third party. In the event of an accident, an insured’s policy could cover potential legal and medical expenses.
Below are a few examples of bodily injury and property damage claims photographers may face.
Bodily Injury Claim Examples:
- Client falls at the photographer’s studio and breaks her arm
- A lighting fixture fell and injured a client
- While posing outside, a client trips over something and is injured
Property Damage Claim Examples:
- Photographer set up a lighting tripod in a client’s home; it falls and breaks a window
- Photographer’s lighting equipment cord short circuits and burns the client’s carpet
- While moving your tripod at your client’s home, you scuff and damage their floor
Should any of these events occur, insurance for wedding photographers could protect you from impending legal fees, property damage claims, and medical bills.
What Is An Additional Insured?
An additional insured is a person or organization (wedding venue owner, event holder, etc.) that is not included as an insured under your insurance policy.
You may be asking yourself, “Why would a wedding venue require me to add them as an additional insured on my policy?”
Well, a wedding venue may require this addition because it could protect them against claims caused by your negligence filed on their premises. To help illustrate this point: in a recent claim the photographer told the bride’s family to gather for a group shot. While walking to the group photo, the father of the bride tripped and hurt himself. He then sued the photographer for bodily damage and also filed a lawsuit against the wedding venue in hopes to get more money.
With the wedding venue listed as an additional insured on your policy, they could be protected under the terms of your policy if a claim is filed.
2. Camera Equipment Insurance Protects Your Tools
Should an accident occur, replacing one piece of camera equipment could cost thousands of dollars. A loss of this magnitude could place a significant financial strain on your bottom line and affect your ability to continue working with clients.
Purchasing a seperate camera equipment insurance policy through Full Frame Insurance provides coverage for your cameras, lenses, lighting equipment and other photography gear on and off premises. When you are capturing photos at a venue you have little experience shooting in, you can have peace of mind knowing your equipment is covered.
3. Wedding Photography Insurance Makes You More Marketable
Marketing yourself as an insured wedding photographer comes with some serious perks. Full Frame Insurance is a reputable carrier that offers “A Rated” coverage to all of its customers. In fact, we even offer an insurance badge that can be attached to your personal website immediately after purchase. This badge alerts customers that you have gone the extra mile to protect your business.
Beyond displaying the badge, you can share with your clients that you are an insured photographer via your personal business cards or social media bios to improve your credibility. Clients find comfort when they work with an insured photographer, because they know if things were to go wrong they could be covered.
4. Wedding Photography Insurance is Easy and Affordable
Wedding photography insurance doesn't have to break the bank. In fact, Full Frame offers coverage starting at $99/year.
- General Aggregate Limit $2,000,000
- Each Occurrence Limit $1,000,000
- Damage to Premises Rented To You Limit $300,000 (any one premises)
- Medical Expense Limit $5,000
Full Frame’s wedding photography insurance is also easy to obtain through a quick quote-to-coverage process that is handled completely online in less than 10 minutes.
Discover how you can protect yourself today with wedding photographer insurance!
- 1–3 Days Policy Options
- General Liability
(Does not include product liability, property, or equipment insurance)
- Personal and Advertising Injury
- General Liability
- Product Liability
- Add Ons Available
Now available in:
AL, AZ, AK, CO, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MO, MS, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY
If you do not see your state listed, please check back. We are adding new states regularly and will soon cover all 50 states