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What You Need to Know about Photography Insurance

Whether you shoot wedding, event, maternity, newborn, or family photography, every photographer should sign up for photography insurance to protect their business from unexpected liability claims.

Learn more about protecting your business with photography insurance below.

What kind of photographers does Full Frame insure?

We cover several types of photographers, including, but not limited to, wedding, corporate, pet, portrait, family, real estate, fine art, school, food, freelance, landscape, sports, travel, wildlife, commercial, maternity, newborn, and macro photographers.

What is your event policy and how much does it cost?

Our event policy offers one-to-three day policy options, general liability coverage (does not include product liability or equipment insurance), and personal and advertising injury coverage starting at $59.

An event policy from Full Frame is ideal for photographers who participate in a single short-term photo shoot.

For more information on limits of insurance for our event policy, see below:

Limits of insurance

General Aggregate Limit (Other than Products – Completed Operations) $ 2,000,000
Products - Completed Operations Aggregate Limit Excluded
Personal and Advertising Injury Limit $ 1,000,000
Each Occurrence Limit $ 1,000,000
Damage to Premises Rented to You Limit (Any One Premises) $ 300,000
Medical Expense Limit (Any One Person) $ 5,000

What is your annual policy and how much does it cost?

Our annual policy offers robust coverage that includes general liability, product liability, and business personal property, starting at $99. With our annual policy, you have the option to add photography equipment coverage for an additional fee.

For more details on limits of insurance, see below:

Limits of insurance

General Aggregate Limit (Other than Products – Completed Operations) $ 2,000,000
Products - Completed Operations Aggregate Limit Included
Personal and Advertising Injury Limit $ 1,000,000
Each Occurrence Limit $ 1,000,000
Damage to Premises Rented to You Limit (Any One Premises) $ 300,000
Medical Expense Limit (Any One Person) $ 5,000

When should I purchase photography insurance?

You should purchase photography insurance before the photo shoot. However,we understand that things come up at the last minute, so if you need insurance before your event that day, Full Frame conveniently allows you to purchase insurance and print out your policy documents immediately. As long as your policy is compliant with our terms and conditions, you can rest assured that you are protected.

Why should I purchase photography insurance through Full Frame?

Full Frame Insurance was created with photographers like you in mind. We understand how much you care about your business and want to provide affordable liability coverage without sacrificing quality.

You can read more about the benefits of Full Frame below.

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Proof of Coverage (printable)
  • Robust, Quality Coverage Scaled to Your Business
  • Convenient Online Purchasing
  • Instant Coverage
  • No Deductible on Liability Claims
  • Not Location Specific

Where is Full Frame coverage available?

Full Frame coverage is currently available in the following states: AL, AZ, AK, CO, DC, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, and WY.

If you don’t see your state here, feel free to check back. We will soon cover all 50 states. If you have additional questions, please contact us here. We are more than happy to assist.

If something were to go awry at a photo shoot, having insurance can give you the peace of mind knowing that your business is covered. Don’t leave your business exposed.

Photography Insurance starting at $59

EVENT POLICY

$59
  • 1–3 Days Policy Options
  • General Liability
    (Does not include product liability, property, or equipment insurance)
  • Personal and Advertising Injury
 

ANNUAL POLICY

$99
  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)
 
 
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Now available in:

AL, AZ, AK, CO, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MO, MS, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY

If you do not see your state listed, please check back. We are adding new states regularly and will soon cover all 50 states