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The Dangers of Not Having Photographer Insurance

Protecting your business with photographer insurance can be a pain.

That’s why some professional photographers choose to run their business without coverage to save time, money, and stress.

While it’s true that insurance can be a little frustrating—the different terms, policies, and providers can be hard to wrap your head around at times—that doesn’t mean you should avoid getting the protection your business needs.

In fact, running your photography business without liability insurance is almost guaranteed to cost you more time, money, and stress in the long run.

In this article we’ll cover some of the most common dangers your business faces by not having photographer insurance.

Equipment Damages & Theft

As a professional photographer, you’ve probably spent more money on your gear than you care to admit.

Camera equipment isn’t cheap, after all. Just starting a photography business can cost thousands of dollars in equipment costs alone.

What happens if your expensive equipment gets damaged or stolen? Without photographer insurance, the only way to cover the cost of your damaged or stolen gear would be to pay for it yourself. Now that’s stressful.

For as little as $184 a year, you can protect yourself with a Full Frame insurance plan that can cover the cost of replacing damaged or stolen gear.

Property Damage

Chances are your job takes you to a variety of locations, events, and venues.

One of the greatest dangers a photographer faces is causing property damage at a place you are working because, if you damage someone’s property, you may be found liable to pay for it.

Property damage claims can cost thousands of dollars or more. Without a liability insurance policy that covers property damage, you’d have to pay out-of-pocket, which could be a serious financial setback.

The solution? It’s simple: protect your business with Full Frame’s photographer insurance plan, which includes up to $1 million in coverage for property damage claims.

Bodily Injury

Nothing can harm a business quite like injuring a customer.

As a professional photographer, you may think it unlikely to ever cause a customer physical harm, but the truth is that customer injuries happen a lot more than you would think.

Simple accidents like customers tripping on your equipment could lead to thousands of dollars or more in bodily injury claims.

If you haven’t protected your business with photographer insurance to cover the cost of accidents, then you may find yourself spending a lot of time and money resolving the issue, not to mention dealing with the stress that comes with it.

With Full Frame, protecting your business is easy. In just minutes you can save yourself time, money, and sanity with a coverage plan especially designed to cover the cost of bodily injury claims.

Protect Your Photography Business With Full Frame

It’s true that liability insurance can be frustrating. It’s sometimes hard to navigate the policies and different providers to know what coverage your business needs.

No matter how difficult it can be, choosing not to protect your business can lead to even more difficulties in the long run.

Luckily, Full Frame makes photographer insurance easy. In just minutes, you can receive the high-quality, affordable coverage your business needs to protect yourself from the risks of running your business.

So what are you waiting for? Protect your photography business with Full Frame today and gain the peace of mind that comes from having the high-quality protection you need.

Ready to buy a policy?

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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.