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Is Insurance For Photographers Necessary?

Starting a photography business is an exciting opportunity. You have the freedom to be your own boss, tap into your creativity, and capture exciting moments for your clients.

One job could take you to a studio photographing family portraits and the next job could take you to an outdoor wedding. Each session is different and that is one of the things that makes your job great. As a photographer, you want your clients to be comfortable and do your very best to ensure each session goes as smoothly as possible.

Have you thought about ways to eliminate risk for your business? One thing that can help is Insurance For Photographers. You may be wondering if insurance is necessary and it definitely is!

It’s great to do what you can to make sure things run well during each session. However, you can’t account for outside variables far from your control, though. Accidents happen and it’s important to have coverage in place.

Let’s jump into how covering your business can be beneficial.

Your Photography Business Needs A Financial Safety Net

As a photographer, you’ve taken the time to research the best equipment, editing software, lenses, and more. Investing in the right tools makes your photography business possible in the first place!

Having coverage in place gives you a financial safety net if things went wrong during a session. Our Insurance For Photographers policy includes general liability. This coverage is designed to respond to third-party bodily injury and property damage claims you are legally liable for.

Let’s say you are photographing a wedding ceremony in a beautiful cathedral. You arrive early to set up and get things ready, but oh no! The groom trips over your lighting storage box and dislocates his knee. Stress and embarrassment doesn’t even begin to cover the range of emotions you could feel in that situation.

After the groom’s stay in the hospital, you could be hit with a lawsuit and blamed for their loss of income due to recovery. A lawsuit like this can be thousands of dollars and detrimental to your small business. Our general liability policy has a $2M limit that can be used to legal expense for covered claims.

Insurance for Photographers Can Cover Your Equipment

Photographers tend to carry a lot of equipment. It’s all part of the job! Some of your gear might be investment pieces and it’s important to keep them protected.

Let’s say you’re capturing a beach wedding and your lenses get damaged. Do you have the means to replace them before your next session? If not, you may be out of luck and won’t be able to perform your job for the time being.

It can be hard to think about the idea of your gear being stolen or damaged. The important thing is how you prepare yourself for those possibilities. The cost to fix or replace those items could range from hundreds to thousands of dollars. Unexpected expenses can be especially straining for small business owners.

At Full Frame, we offer our annual policyholders the option to include Photography Equipment Insurance to their policy.

One great benefit of choosing our Insurance For Photographers policy is that we offer a few types of coverage options. We don’t believe one size fits all. Every business has different equipment coverage needs, after all.

Gear coverage with Full Frame starts at just $55 a year which covers $1,000 per item and a $5,000 aggregate (the most your policy will pay).

NEW! Include Cyber Liability Coverage

Did you know that 30% of US consumers were affected by data breaches in 2020? It’s a scary thing to think about. You handle sensitive information, such as customers’ credit card numbers, and run the risk of having that information stolen in a cyberattack. It’s common to store this type of data on a laptop and that’s what hackers count on.

Don’t leave your business without protection. You can do your best to make sure everything is running well. No matter how careful you are, there’s always a chance of an accident happening and dealing with the consequences on your own. Coverage is a necessary asset to have!

Full Frame offers Cyber Liability Insurance that can be included in your Insurance For Photographers policy! It covers the costs of claims against your business due to cyber crime. Coverage can help you pay for restoring data and can respond to third-party lawsuits if you are found legally liable.

Get Insurance For Photographers Today!

Insurance is your go-to for when things go wrong. It’s there if you need it and you’re hopeful that you never need to use it. Some things you may already cover with insurance is your home, car, and smartphone. Your photography business deserves coverage as well!

Whether you are a full-time photographer or only jumped into it part-time, it’s your source of income and something you’ve worked hard to build! Insurance For Photographers can give you peace of mind and a financial safety net to fall back on if things go wrong.

Covering your business is always necessary considering how much time and money you put into it. It never hurts to be proactive!

Buy Insurance For Photographers


Related Articles

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.

Professional Liability

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.