two photographers editing photos on computer

Photography Insurance: Errors And Omission Coverage

One of the best things you could do for your photography business is to protect it with photography insurance. With insurance for photographers, you can protect multiple aspects of your business including your camera equipment, where you take photos, and how you store your client information. 

Photography insurance not only protects your business but also provides increased professionalism and credibility, and supports peace of mind as you do what you love. 

Let’s take a deeper look at Full Frames Photography Insurance and a certain type of coverage that you will want to have on your insurance policy.

What Is Photography Insurance?

Photography insurance through Full Frame provides professional photographers with general liability insurance, camera equipment insurance, additional insureds, and professional liability insurance. 

General Liability Insurance protects photographers from the cost of third-party bodily injury and property claims. These claims can look like a customer tripping over your lighting equipment, injuring themselves, and then suing you. Claims like these can get expensive fast and have the ability to financially devastate your business if you don’t have insurance. General liability insurance can help out with the cost of these common claims.

Preview camera screen

Camera Equipment Insurance is an essential tool to have in your toolbox as you operate your business. We understand that your equipment is both expensive and vital to the success of your business. When your equipment –camera lens, camera body, tripods– are damaged and out of commission, you are not only losing money when you have to repair them, but also losing money from putting a pause to your business operations. 

Additional Insureds can be landlords, event organizers, or studio owners who require you to list them on your insurance policy. By listing them as an additional insured you are extending your insurance coverage to them, which protects both of you from the expensive costs of claims. You can add unlimited additional insureds to your Full Frame policy for just $30.

Errors And Omissions Coverage

Errors and omissions coverage, also known as professional liability insurance, is one of our most recommended insurance coverages. This insurance can protect you from the cost of faulty memory cards, teaching mistakes, and more. 

We understand that technology can be fickle. As a professional photographer, you are exposed to the risk of a faulty memory card and losing all your client’s photos. This can result in the client suing you, and without professional liability insurance, you could be faced with several thousand dollars in fees. What a headache! With professional liability insurance, you could avoid the headache entirely and let us do the work, allowing you to double-check your memory cards and get back to work. 

In addition to faulty memory cards, this is the right insurance for you if you teach photography classes or run demonstrations. If a student were to trip and injure themselves while shadowing you on a shoot, you could be faced with thousands of dollars in medical fees. Let us help out with the claims while you get back to doing what you love. 

memory card put into camera

How Do I Purchase Photography Insurance?

If you don’t already have a policy with us, you may be wondering how you can get in on this super awesome, money saving, headache easing, insurance plan. Well, it’s easy! 

We offer three different types of photography insurance policies:

  1. Event. Our Event policy is designed to offer up to three days of insurance protection. This policy is a great idea if you are just starting out and want to test the waters of being a professional photographer. The Event policy starts at $59 and includes up to $2M in general liability coverage and unlimited additional insureds.

  2. Annual. Our Annual policy offers comprehensive coverage but excludes camera equipment insurance. This policy is great for full time photographers, has the option of additional policy options for increased coverage, and is just $30 for unlimited additional insureds. This policy starts out at $129 a year.

  3. Annual Plus. This is our most recommended policy option, giving photographers the ultimate coverage. The Annual Plus policy offers up to $2M in general liability coverage, has multiple camera equipment coverage options, additional policy options for increased coverage, and $30 for access to unlimited additional insureds. This picture-perfect policy starts at $184 per year.

You can purchase one of these insurance polices by creating a user login then choosing which policy would best suit your business. 

Happy photographer

Protect Your Business Today

When you insure your professional photography business with photography insurance, you are not only giving yourself peace of mind and more money in your wallet, but you’re increasing your professionalism and credibility as a photographer. Get started today

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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.