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What Does Insurance For Photographers Include?

Your photography business can take you to many different events, such as weddings, graduation parties, family reunions, and more. Each of these important gatherings run the risk of dealing with an accident and you could be held liable. Looking for the right insurance for photographers can give you a financial safety net and peace of mind while operating. Your friends at Full Frame Insurance are here to walk you through the types of coverages we offer and how it can respond.

Insurance For Photographers Coverages

Every insurance company will offer something different and we suggest researching the best fit for your needs. Full Frame Insurance offers the following coverages in our photography insurance policy:

General Liability Coverage

You work closely with people and one mishap could lead to legal action. Your client could slip and fall during a session and sue you for the damages. This could be anywhere from paying medical bills to covering their loss of income while they recover. General liability coverage is designed to protect you against bodily injury and property damage claims you are legally liable to pay for.

Personal and Advertising Injury Coverage

You may be competing with several photographers in your area and trying to stand out can sometimes be a challenge. Perhaps you focus on branding your business to attract potential clients. One of your competitors saw your latest branding and claims you stole their idea. Personal and Advertising Injury coverage is designed to respond to these types of claims.

Damage to Premises Rented To You Coverage

Interested in taking photographs at a studio or venue? Studios can provide great lighting, props, and space for your gear/clients. Venues can offer a great backdrop to work with and give your photographs a certain theme. It’s important to understand that you are taking on certain risks by renting out space, such as property damage. This coverage is designed to cover damage sustained and occupied by you within seven days or less.

Medical Expense Coverage

This type of coverage is designed to cover out-of-pocket medical expenses for any injury that happens during the job. It could help you avoid a lawsuit and your client may appreciate the professional gesture of offering to cover medical expenses.

What Full Frame Insurance For Photographers Can Include

Additional Insureds

Let’s say you are going to capture a wedding at a venue and the owner asked to be included in your insurance for photographers policy. It’s common for venue owners to ask because accidents can happen during a wedding and they don’t want to be held liable.

Perhaps the bride trips over your gear and breaks an ankle. They could pursue legal action against you and try to add the venue owner as well. By including the owner to your policy, it may extend coverage to them since the incident was not their fault.

You can purchase one additional insured for $15, and $30 for an unlimited number of additional insureds under the annual policy.

Camera Equipment Insurance

Your gear is a huge asset in your business and needs to be protected. Camera Equipment Insurance is designed to cover your cameras, lenses, lighting equipment, and other photography gear. There’s always a chance of your gear getting damaged on the job or stolen. Plus, replacing your equipment could lead to a financial strain for you.

Whether you have hundreds of dollars worth of equipment or thousands of dollars, you have the convenience of choosing the amount of coverage you need. You can include gear coverage starting at $55 with our annual policy.

Cyber Liability Insurance

Cyber liability insurance is designed to protect you and your data in the event of cyber crime. If you store any sort of customer information such as names, addresses, or credit card/payment information, you’ll want to add this coverage to your base policy. This can give you peace of mind while operating since your accounts may be hacked and compromised.

Get Covered Today!

You can easily add insurance for photographers to your business in minutes! Our online application gives you the convenience to tailor your policy, receive a quote, and purchase from there. After checkout, you will have access to your online dashboard and your digital insurance certificate.

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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.