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Photography Insurance Guide: What You Should Know

As a photographer, you’re in the business of capturing beautiful moments and connecting with your clients. Whether your photography business takes you to a wedding, special event, the great outdoors, or studio, you want to be sure your photography insurance fits your changing business.

Here’s a guide to help you learn more about photography insurance. Learn about the risks photographers face, and a few things to consider when you are looking to buy the best photography insurance for your business. Then, learn more about photography insurance from Full Frame.

Why Do I Need Photography Insurance?

Watch our video and learn more about how photography insurance is essential!

Risks Photographers Face

Risks Photographers Face

Injury obtained during the photoshoot.

Photographers often ask clients to pose or move a certain way to capture a great shot. What if someone injured themselves while you were directing their pose? Let’s say, a client follows your instruction and they end up injuring their arm. A suit could be filed against you for directing them to move in such a way.

Injury obtained during an offsite photoshoot.

Family photos that are taken at picture-perfect locations can lead to injuries. For example, a family might be interested in taking a photo near a river in the woods. What if one of their children got too close to the bank and fell in the river while you were taking their picture? Furthermore, what if they sustained a broken arm as the result and a suit was filed against you?

Damage to studio property or an offsite location.

If you’re a photographer who rents studio space to capture a specific look for your client, you run the risk of damaging property that is not your own. A recent claim example includes a young child who was posed on a ladder. The ladder tipped and damaged the studio equipment and a lawsuit was filed against the photographer.

Did You Know Your Homeowner’s Policy May Not Cover Your Photography Business?

We offer photography insurance

You may think your homeowner’s policy will cover your camera equipment and business exposure. However, if 50 percent of your annual income is derived from professional photography services or you use your camera equipment in your business, your homeowner’s policy won’t cover it.

If you need to report several claims on your homeowner’s policy, it may cause your policy to get canceled. With an annual policy from Full Frame, you can protect your camera equipment and your business without the worry of cancellation of your homeowner's coverage.

What To Look For In A Photography Business Insurance Plan

Check out our photography insurance guide

Equipment Coverage

This insurance covers your cameras, lenses, lighting equipment, and other photography gear on and off premises and during transportation. You may want to look for an equipment policy that offers tiered prices, so you are not overspending on coverage.

You can find more information about our coverage options

Equipment Coverage

General Liability

This type of insurance may cover you for a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

You can find more information about our coverage options

General Liability

Photography Business Insurance Coverage Details From Full Frame

Buy Photographer Insurance From Full Frame

Whether you are just starting your photography career or you have been shooting for years, you need to have photography business insurance to cover your investment and business. If you lose your focus during a photoshoot and break your expensive lenses on site, you can rest assured that insurance may cover it.

Annual Policies Save You Time and Money

If you hold multiple sessions throughout the year, this type of insurance will cover an array of events, such as weddings, family sessions, portrait shoots, and more. Learn more about our annual policy here.

Event Policies Are Easy and Convenient

If you’re a freelancer or hobbyist and only take on a few events per year, our short-term policy is the best option for you. You’ll have general liability coverage for 1—3 consecutive days so you can get it when you need it. Learn more about our event policy here.

Camera Equipment Insurance Saves You Money

This type of additional coverage can be added to your annual policy for a small premium. Whether you are a freelancing or working as a full-time professional photographer, the equipment you carry can be worth hundreds or thousands of dollars. It’s not cheap to replace camera equipment if it becomes lost or broken.Your insurance, on the other hand, is an affordable one-time annual payment. The choice is simple, camera equipment insurance is much more convenient than replacing damaged equipment.

Add Venues to Your Policy

Meet requirements of the venues you work at by adding them as an additional insured (certificate holder) to your policy. For a low price this coverage can be added on to both the event and annual policies and will extend your coverage to the venue that you list.

Why You Should Buy Photographer Insurance From Full Frame

Photography Insurance Covers Studios

Point, Click, and Buy Online

Our event policy starts at $59/year and our annual policy starts at $99/year.

  1. Complete Your Online Application in Less than 10 Minutes
  2. No Unnecessary Paperwork
  3. Receive Instant Coverage

If you have any questions, our licensed agents can help you. You can contact us here.

Keep Your Spot

You’re in the business of meeting with clients and shooting at their dream venues. The majority of venues require that you have some type of liability coverage. Keep things professional between you, the venue owner, and your clients by carrying insurance. With Full Frame, you can print out proof of coverage online and add additional insureds.

Framed to Fit Your Business

We’ll take care of the insurance, so you can focus on taking your photography business to new heights. Whether you shoot big or small events, you can have the peace of mind knowing your photo shoot is covered wherever the next job takes you.

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Frequently Asked Questions About Photographer Insurance from Full Frame

Buy Photography Insurance From Full Frame

Would a camera lens and body be considered as one item?

Yes. If your camera lens and body come together, it is considered one item. If you own a specialty lens apart from the camera lens + body, the specialty lens is considered one item.

What is the difference between eligibility to purchase and coverage territory?

Eligibility to purchase means your business is located in a state listed here while coverage territory means your business will be covered within the United States (including its territories), Puerto Rico, and Canada.

In what state is my camera equipment covered by Full Frame?

Our camera equipment coverage protects your equipment at home, in transit, and on location.

What are Full Frame’s camera equipment limits?

You can find our camera equipment limits Here.

Will my camera equipment still be covered out of the country?

Yes. It is a worldwide policy.

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EVENT POLICY

$59
  • 1–3 Days Policy Options
  • General Liability
    (Does not include product liability, property, or equipment insurance)
  • Personal and Advertising Injury
 

ANNUAL POLICY

$99
  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)
 
 
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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