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In the studio for a photo shoot

How You Could Be Held Liable at a Photoshoot

Photographers have the skill and ability to capture their client’s vision and make it a reality. On the way to achieve their goals, photogs choose aspects they have control over, whether it’s the location, the props they use, or the angle of their camera. While there are many things a photograph can control, there are many they can’t and something that can help mitigate the risks of the unknown is photographer liability insurance.

Regardless of whether you have your own photography studio or are a freelancer who shoots at various locations, Full Frame’s photographer liability insurance will work for and protect any type of business.

Photoshoot Liability

Freelance photographers and videographers who conduct photo shoots onsite eligible for affordable general liability coverage and its associated 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.

Without insurance, you leave your business vulnerable to an assortment of risks. Just take a look at the following list of potential harms that could possibly lead to a lawsuit if you are left uninsured.

  • Injury obtained during the photo shoot. Photographers often pose clients or ask them to move a certain way to capture the best shot. While instructing an individual to move a certain way, the client could injure themselves. A suit could be filed against you for directing them to move in a way that caused them harm.
  • Injury obtained during an offsite photo shoot. Family photos taken at picturesque locations can lead to injuries. Take this example, say a family was interested in taking a photo near a river in the woods. During the shoot, one of their children gets too close to the bank and falls in the river while you take their picture. They sustain a broken arm as the result and a suit is filed against the photographer, i.e., you.
  • Damage to studio property. If you rent studio space to capture specific looks for your clients, you run the risk of damaging property that isn’t your 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 space from someone else, as mentioned, 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

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

Purchasing photography liability insurance from Full Frame is fast and easy! Our online application is completely online, ensuring instant, 24/7 access to your insurance documents in 10 minutes or less. Full Frame insurance understands the details behind a photographer’s business efforts and provides online access to photography liability insurance framed to fit our business needs.

Purchase an event liability policy
today from $59!

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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.