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How You Could Be Held Liable at a Photoshoot
The Importance of Photoshoot Insurance
Skilled photographers are able to take the mental image of their client's “perfect” shot and make it a reality. To achieve this, they select things they can control such as the location, props, and camera angle. While there are several things photographers can control, there are elements they cannot. Purchasing photographer liability insurance helps weather the storm of unknowns during photo shoots.
Regardless of whether you have your own photography studio or you perform freelance photo shoots at different locations, Full Frame’s photographer liability insurance will work for and protect any type of business.
Freelance photographers and videographers who perform photoshoots onsite can obtain general liability coverage with Full Frame due to its affordability and protections.
Regardless of whether you are capturing a family portrait in the snow or snapping action shots of athletes, accidents during these sessions can and do happen.
Below is a list of potential harms that could potentially lead to a financially crippling lawsuit if the photographer remained uninsured.
- Injury obtained during the photoshoot. Photographers often pose clients or ask them to move a certain way to capture the best look. While instructing an individual to move a certain way, they end up injuring their arm. A suit could be filed against you for directing them to move as such.
- Injury obtained during an offsite photoshoot. Family photos taken at picturesque locations can lead to injuries. For example, a family was interested in taking a photo near a river in the woods. One of their children got to close to the bank and fell in the river while you were taking their picture. They sustained a broken arm as the result and a suit was filed against the photographer.
- Damage to studio property. Photographers who rent studio space to capture a specific look for their client run the risk of damaging property that is not their own. A recent claim example includes a young child posed on a ladder. The ladder tipped and damaged the studio equipment and a suit was filed against the photographer.
- Damage to an offsite location. Taking advantage of beautiful properties can truly add a unique look to your photos. Renting a space from someone else, always runs the risk of incurring property damage. Obtaining general liability insurance protects you in the event your equipment or photography instructions lead to property damage.
Who Does Full Frame Insure?
- Wedding Photography
- Corporate Photography
- Pet Photography
- Portrait Photography
- Family Photography
- Real Estate Photography
- Fine Art Photography
- School Photography
- Food Photography
- Freelance Photography
- Special Events Photography
- Landscape Photography
- Sports Travel Photography
- Wildlife Photography
- Newborn & Maternity Photography
- Underwater Photography
If you have any questions about whether your photography business qualifies, give Full Frame a call, or use our contact form to send us a message. A licensed agent will get back to you within 24 business hours.
How to Obtain Photographer Liability Insurance
Full Frame Insurance responds to many of the types of liability claims a photographer may face at a photoshoot. We too focus on the details for photographers and videographers, providing instant online access to photographer insurance solutions cropped to fit your business.
Purchase an event liability policy
today from $59!
- 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