woman looking at her camera

The Most Important Insurance For Photographers

According to Business News Daily, a valuable small business owners’ resource, most microbusinesses cost around $3,000 to start, while most home-based franchises run from $2,000 to $5,000. Regardless of how much you spend on your photography business, this is a huge milestone and you should be proud of what you’ve accomplished.

From investing in the right camera equipment to branding your site, you’ve likely spent countless hours building your dream business and marketing yourself to potential clients. With such a large investment, you want to make sure you’re protected with the most important insurance for photographers which is general liability.

Full Frame’s Photography Insurance

In your day-to-day business operations, you incur many risks, and unless general liability is part of your photography insurance policy, one small lawsuit could have you starting back at square one with your endeavors or in the negative.

General liability offers protection from third-party claims, such as:

  • Bodily injury
  • Property damage
  • Personal injury
  • And other claims that arise from business operations

Need a scenario to help picture when this insurance would come in handy?

Here’s one: You meet your clients on location for a photo shoot and someone in the group accidentally trips over a rock and severely sprains their ankle. After, they file a lawsuit to cover any medical expenses or loss of income while they’re in recovery.

Our photography insurance policy includes general liability with a $2 million dollar limit and may cover the expenses if you become legally obligated to pay for damages and legal fees that arise out of your negligence.

Annual Policy Breakdown

Along with general liability insurance, our photography insurance policy includes the following:

Products-completed Operations Insurance: This coverage is designed to respond to liability arising out of your products or business operations conducted away from your premises once those operations have been completed.

Damage to Premises Rented to You Insurance: If you rent out a studio or venue to take pictures, this type of coverage is designed to respond to fire damage sustained on location.

Personal and Advertising Injury Insurance: This type of coverage may respond to claims regarding libel, slander, invasion of privacy, copyright infringement, and misappropriation of advertising ideas.

Medical Expense Limit (Any One Person): This insurance could possibly cover a clients’ medical bills of up to $5,000. If a client got injured during a photo shoot due to your posing direction, you could offer to pay their medical bills. Sometimes this is enough of a professional gesture to keep you out of court.

family at a wedding with photographer taking photos

Additional Coverages To Consider

On top of offering comprehensive insurance framed for photographers like you, we also offer camera insurance and the option to add additional insureds to your policy. Let us tell you about those options!

Camera Insurance

Camera insurance has become an invaluable asset for photographers. Your specialty lenses and camera bodies come with huge price tags, and not only are they expensive, but they also run the risk of being damaged or stolen.

So, it’s a good thing we offer camera insurance coverage (for a small fee) for annual policyholders. You can choose the amount of coverage that you need for your business online and actually purchase straight away. No more dealing with in-office agents making you wait for insurance quotes!

Additional Insureds

Nowadays, more venue owners are asking for photographers to carry liability insurance and ask to be added as an additional insured. Your policy may protect that additional insured from claims arising out of your negligence.

Take this example, you want to rent a studio and the owner requires you to add them as an additional insured. If anything were to go wrong, such as a model tripping over your lighting cord and sustaining an injury. The model wouldn’t be able to get more money out of her lawsuit by adding the studio owner. Depending on the claim, your policy may protect the owner because they did not directly cause the incident.

If a venue owner requires you to add them as an additional insured, don’t worry, our policy allows you to conveniently add any additional insured for a small fee. With our policies, you can pay for individual additional insureds, or if you know you’ll float from one venue to another, you can opt to pay a larger, yet still small fee for unlimited additional insureds

Insurance That Fits Your Lifestyle

With us, you can protect your business in less than 10 minutes and instantly have peace of mind that you have the needed coverage. Our online process is easy and instantly allows you access to your quote and policy details.

You can rest easy knowing if an unexpected photo shoot pops into your schedule, you can access proof of insurance through your online portal and be on your way.

We’re in the business of providing insurance for photographers framed to fit your busy lifestyle.

In the End

What’s the worst thing that could happen while you’re on the job? Maybe it’s your camera shattering to pieces because of a fall or a client tripping and breaking a bone. And we totally understand that fear! You’ve spent hundreds of dollars on gear and you don’t want to be liable for something that happens to a client.

With Full Frame, you can let it be known that you carry the most important insurance for photographers (general liability) and that you understand the bigger picture of running a photography business by carrying other types of coverage as well. We’re sure you’re aware we live in a litigious society, and one mistake could land you in court.

Don’t run your business without insurance for photographers and purchase your policy 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.