Photographer working in a studio

Protect Your Hobby: Photography and Gear Equipment Insurance

As a photographer, you find joy from capturing life through the lens of your camera. From nature to city life to people, your camera captures it all. Your camera, and camera gear, are important to you, and protecting it should be easy and convenient. That is why we offer not only photography insurance, but camera gear insurance as well.

Keep reading to learn how to protect your photography hobby and camera equipment.

What Is Photography Insurance?

Before we begin, it is important to first understand what photography insurance is. Photography insurance protects photographers through several different coverages. Full Frame Insurance offers General Liability insurance, Professional Liability insurance, Camera Equipment Coverage, Damage to Rented Premises coverage, and Cyber Liability coverage.

General Liability

This type of insurance protects you from the cost of third-party bodily injury and property damage claims. Some examples of these claims could include a client tripping and injuring themselves on your equipment, or if you were to trip and damage their property.

Without insurance, you may be held liable to pay thousands of dollars in out-of-pocket expenses, which could financially devastate you.

Professional Liability

If you’re a photographer, you probably work with a lot of gear, and while you try your best to be prepared for anything, technology can sometimes be fickle. In case you experience memory card failure or malfunction, professional liability insurance is a great option in helping to protect your hobby.

This photography insurance is also a great option if you teach classes or hold demonstrations.

Camera Equipment Coverage

Camera Equipment insurance is a fantastic tool in protecting your gear. With a number of accidents and risks associated with your profession, why not protect what is important to you? Camera equipment insurance may help with the cost in replacing or repairing your stolen or damaged equipment. This includes camera bodies, lenses, lighting props, and more.

If you travel with your hobby, this photography insurance can protect your camera equipment at home, on a job, or even while traveling. This insurance is customizable based on your unique needs.

Damage to Rented Premises

If you rent a studio or booth space, this coverage option is a great one for you. Damage to rented premises coverage can protect you from claims associated with damages done to rented studios or event booths. It is common practice for property owners and event organizers to require you to add them as additional insureds on your insurance policy.

Unlimited additional insureds can be added to a photography insurance policy for $30.

Cyber Liability Coverage

As many things go digital, cybercrime and cyber security issues are on the rise. It is important to protect yourself against them in the event that your online security is breached. If you store information online this is great coverage to have. Help yourself sleep a little easier by adding cyber liability coverage to your photography insurance policy.

Protect Your Hobby

You would do anything to get that perfect shot, so go that extra mile and protect your hobby with not only photography insurance but camera equipment insurance as well. With several coverages to choose from, Full Frame’s insurance is a great way to protect what you love.

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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.