photographer taking photos of food at dining table.

Photographer Insurance and 3 Other Risk Management Tips

Owning a business is rewarding, stressful, inspirational, and everything in between. Owning a business that is also your passion is something that is both validating and scary! It is important to know that your passion is protected.

When owning a business, your first action should be to insure it. Without insurance, you are putting your business at risk. It may seem like a hard and daunting task, but here at Full Frame, we make getting photographer insurance easy breezy.

Photographer Insurance

Purchasing photography insurance is quick, easy, and convenient. We offer coverage for camera equipment, general liability, events, damage to rented premises, professional liability, cyber liability, and increased limits.

Event Coverage

Our event coverage is great for 1 to 2 shoots a year. At just $59 for three days, it is a fantastic option for photographers seeking coverage for events. This coverage boasts an A+ rating and unlimited additional insureds.

General Liability

General liability coverage has up to $2M in coverage. This type of coverage can protect your business from the cost of third-party bodily injury and property damage claims. Common claims can include trip and fall injury accidents, property damages, as well as copyright infringement claims.

Camera Equipment Coverage

With coverage up to $1,000 occurrences and $5,000 aggregate, camera equipment coverage is a great tool in protecting your business from the cost of replacing damaged or stolen equipment. This includes camera bodies, lenses, lighting equipment, and more. This policy can protect against claims that occur at home, on a job, or anywhere in between. Based on your need, Full Frame offers multiple coverage options. Camera Equipment Coverage can be purchased at $184 per year.

Damage to Rented Premises

This coverage can protect your photography business from the cost of claims that arise from damages done to rented spaces, like photography studios or event booths. It is common practice for property owners and event organizers to require photographers to list them as additional insureds. Full Frame provides photographers with unlimited additional insured coverage for just $30.

Professional Liability

With up to $100,000 occurrences and $200,000 aggregate professional liability coverage can protect your business against cost negligence claims that arise from professional omissions and errors. This can include giving bad instruction or failing to provide the necessary information. Professional liability coverage is strongly recommended for photographers who teach classes or run demonstrations as part of your business.

Cyber Liability

Cyber liability coverage is a great tool for protecting your business from the cost of first and third-party claims that arise from a cyber security breach within your business. As a large and common threat, cyber crimes have become increasingly dangerous for large and small businesses. If you collect or store business information online on a computer, tablet, or mobile device, we strongly suggest this coverage.

Three Risk Management Tips

As a business owner, risks are a part of everyday business life. No matter how much you prepare, risks are still present and can cause great stress. To help ease a bit of your stress and make you a little more aware of risks, we have compiled a list of three risk management tips.

  1. Avoidance
    This method includes avoiding activities or practices that may create risk. For example: if you have a lot of equipment, make sure you secure all cords or lighting stands to avoid injury or broken equipment.
  2. Retention
    Retention is the acceptance that risk will happen. This method allows smaller risks to offset larger risks down the road. An example of this would be purchasing general liability insurance to protect against third-party bodily injury.
  3. Risk Control
    Risk control, also known as loss control, is achieved by minimizing losses through training and precautions. For example: if you have assistants, make sure they have training on how to handle and secure equipment securely.

Get Your Business Covered Today

Insurance may not be the most exciting aspect of your business, but it is the most important. Secure photography insurance can save you many headaches down the road.

While you can take precautions to manage risk, the odds of completely avoiding risk are very slim. So, protect your business from the costly hassle of claims and find coverage that is perfect for you today!

Learn more about Photography Insurance

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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.

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.