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What You Need To Know About Photography Business Insurance

As a photography business owner, you know the importance of details. From the way the light hits a subject to the exact colors in the image, you know it's the little details that make or break a good photo. The same goes for your business.

One detail that often goes unnoticed is photography insurance. It’s incredibly important to insure your business and know how to protect your finances from some pretty expensive claims. Full Frame Insurance was created with photographers like you in mind. We care about the little details in your coverage and work hard to offer you high-quality policies at an affordable price.

What Photography Business Insurance Offers

Photography business insurance is designed to offer an easy and reliable solution to your insurance worries. It offers general liability coverage, camera equipment insurance, and more. Full Frame Insurance offers three different policy options: Event, Annual, and Annual Plus.

Event

The Event policy is designed to cover your business for a three-day period. Starting at $59, it includes up to $2M in general liability coverage and unlimited additional insureds. This policy is a great option for events that require insurance or if you are taking photos somewhere that requires insurance. This can vary from museums to national parks.

Annual

Starting at just $129 per year, Annual is a great option if you want continuous and comprehensive coverage. The Annual policy offers photography business owners up to $2M in general liability coverage, additional policy options such as equipment coverage, and $30 for unlimited additional insureds.

Annual Plus

Annual Plus is our recommended policy, offering business owners the ultimate Full Frame coverage. At just $184 per year, Annual Plus provides up to $2M in general liability coverage, multiple camera equipment insurance options, additional policy options for added coverage, and $30 for unlimited additional insureds. We understand that your business needs are unique. That is why we created a policy that will work with those needs to create an insurance policy that you are comfortable with and proud of.

Why You Need Photography Business Insurance

In addition to capturing beautiful portraits and landscapes, you are also responsible for making sure your photography business is protected. The best (and we might be a bit biased) thing you could do for your business is protect it with a photography insurance policy.

Photography insurance is a fantastic tool to help mitigate or eliminate the cost of replacing or repairing damaged or stolen equipment. We understand that your equipment is high quality and expensive. In addition to helping with the monetary stability of your business, insurance can also bring peace of mind, show that you are serious about your career, and open up the opportunity to work in various locations.

Along with great prices, photography insurance from Full Frame offers general liability coverage and so much more. We’ve broken down what each of our coverages means to help you get a better understanding of the type of coverage you’re receiving.

General Liability - $1M Occurrence / $2M Aggregate

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims. Common claims can include a client tripping and injuring themselves on your business equipment. This coverage can also protect your business from advertising injury claims and copyright infringement.

Camera Equipment Insurance - $1K Occurrence / $5K Aggregate

This money-saving coverage is a fantastic tool in protecting your expensive business equipment. Also known as inland marine coverage, camera equipment coverage can help with the cost of replacing or repairing your equipment in the event that it is damaged or stolen. Without equipment coverage protection you could be faced with paying the out-of-pocket costs of repairing your damaged equipment. This coverage can help mitigate or even eliminate those out-of-pocket costs.

Damage to Rented Premises - $300K Occurrence / $300K Aggregate

This coverage is a great addition to your policy if you rent a studio or event booth. It can protect you from the cost of claims that can arise from damage done to those rented spaces. It is common practice for event organizers or property owners to require photographers to list them as additional insureds on a policy before renting a space. To make things even easier on you, we provide photographers with unlimited additional insureds for just $30.

Professional Liability - $100K Occurrence / $200K Aggregate

This additional coverage can protect your business if you lose photos or have damaged photos from a faulty memory card. We understand that technology can be fickle, that is why we provide this coverage option, creating a comprehensive insurance policy for you. This coverage is also a great idea if you teach classes or run demonstrations.

Cyber Liability - $100K Occurrence / $100K Aggregate

Do you store business information on a computer, tablet, or cellphone? Do you do business with virtual transactions? If you answered yes to any of those questions then this coverage is a great addition to your policy. With cybercrime on the rise, cybersecurity is more important now than ever. In addition, if you store photos on a computer or use digital editing software, you could be susceptible to someone stealing your photos or wiping your presets and only returning them for money. This is called a ransomware attack. Cyber liability insurance could help pay for the lost work and restore your software or access to your accounts.

Protect Your Photography Business Today

Now that you know the facts, what else are you waiting for? Protect your photography business with photography insurance and bask in that care-free, knowing-you-are-protected feeling.

Protect Your Business Today

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

$129
  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)
 
 
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