Photography Insurance: 3 Things To Look For In A Policy

It’s a task on every photographer’s to-do list: look for the best photography insurance for their business. With us, you can frame your insurance coverage to fit your needs. If you’re just starting out or have been in the business for years, we offer event and annual photography liability policies that may be just what your business needs. To help you figure out just what to look for in a photography insurance policy, keep reading!

1. Camera Equipment Insurance Coverage

camera equipment

As a photographer, you carry a lot of equipment and travel to various locations for photo shoots. If your next photo shoot takes you to Ireland and your camera equipment breaks during transit, our camera equipment policy has worldwide coverage. No matter where in the world your photography business takes you, you can have peace of mind knowing that your expensive equipment is taken care of.

Our annual photography insurance policy gives you the option to add camera equipment coverage. Plus, you can take stock of your camera equipment and choose the level of coverage for your gear. There’s no need to worry about overpaying for camera equipment insurance coverage with us.

Without the right photography insurance, you can be on the hook for paying lots of money to replace your equipment. However, if you are strapped for cash then you would have to deal with canceling your scheduled photo shoots. The loss of income could be detrimental to your business.

2. Online Access

computer and camera on a desk

In today’s world, we understand that your time is valuable and created a 100% online insurance process. It takes less than 10 minutes to fill out and you get instant proof of coverage from there. Plus, you have 24/7 access to your documents and can add additional insureds through your online dashboard. We made the process of getting photography business insurance super simple and easy.

3. General Liability

man in the mountains with camera

Every photographer needs to have general liability added to their photographer insurance policy. This type of insurance coverage may cover you for a variety of claims including bodily injury, property damage, personal injury and others that can arise from running your photography business.

For example, your next photo shoot may take you to a beautiful valley surrounded by majestic mountains. The scene is picture-perfect and your clients just arrived at the shoot. However, you ask them to run across the grass holding hands while looking up at the camera. One of them trips over a rock and is injured on site. A lawsuit could be filed against you for poor direction during the photoshoot. Without photographer insurance, you may be paying all your legal bills out-of-pocket.

From your photography’s unique branding to your online presence to buying the right equipment, you have put in a lot of time and resources into your business. If an unexpected accident occurs with your equipment or during a photo shoot, you’ll want to have peace of mind knowing you’re protected from the financial strain with photography and camera insurance. Full Frame offers annual and event policies framed for your business.

Photography Insurance starting at $129

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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.