Two women showing photos on a camera

Understanding Photography Liability Insurance

Say you’re in the mountains, capturing the most gorgeous shots and taking in our beautiful world. With your gear in tow, you might be thinking that the worst thing that could happen would be the camera sliding off its strap and crashing to the ground.

What if we told you that’s not the worst thing that could happen?

What could be even more costly, mentally, financially, and emotionally, is being held liable for serious damages resulting from physical or emotional harm such as, using a photograph that violates a person’s right to privacy, wrongful entry, and more.

In this post, we are going to break down what general photography liability insurance is, what it protects you from, and why it’s imperative for you to have.

General Liability Insurance

General photography liability insurance can protect you from some serious claims that photographers face. People consistently take photographers to court for taking a photo of them in public without a proper photo release or permissions and then using it in advertisements or art. If you are in that position, your insurance may cover your legal fees and any damages you may have to pay for.

Another case where general liability becomes invaluable is when the physical harm of a client occurs. If you are shooting on location and are giving instructions to your subject—for example, where to stand or how close to be to others—you are liable for any harm that may befall your client as a result of your directions.

For example, say that a client breaks an arm because they slipped on a hill you told them to climb up. You could be held responsible for any medical expenses that come from their injury. If they need their arm to work at their job, you could be responsible for all the money that they are forfeiting by not being able to work. If they take you to court and you have to pay a defense attorney, you would be on the hook for the bills.

Products-Completed Operations Insurance

This important aspect of photography liability insurance covers you for liability arising out of your products or business operations conducted away from your premises once those operations have been completed or abandoned.

Damage to Premises Rented to You Insurance

This coverage applies to professional photographers who rent out a studio or a location in order to film videos or take photos. If you, a member of your team, or even your model damages the studio or its contents, your damage to premises rented to you coverage in your insurance policy may pick up the tab. This could save you from what could be a crippling expense.

Personal and Advertising Injury Insurance

This part of liability insurance is for coverage against claims that may have damaged a person other than physically. This is especially helpful for photographers because claims can be brought against you because of your pictures. If someone feels like you stole their idea or damaged their reputation or public image, you may need protection from lawsuits.

The following is a basic list of claims that your personal and advertising injury insurance may protect you from:

  • Libel
  • Slander
  • Invasion of privacy
  • Copyright infringement
  • Misappropriation of advertising ideas

General liability insurance includes a lot of coverage and can be a great value for the money. Full Frame Insurance offers up to two million dollars of coverage for only $59 as part of our event policy. Click below for more details and to take advantage of this affordable, comprehensive insurance.

Photography Insurance starting at $59

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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.