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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 purchase and carry photography insurance to protect their business from unexpected liability claims.

Learn more about protecting your business with photography insurance below.

Who Does Full Frame Insure?

Full Frame Insurance is happy to provide coverage for many 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 1-3 day event coverage which includes general liability coverage (does not include product liability or equipment insurance) and personal and advertising injury coverage. The policy starts 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 LimitExcluded
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 coverage, 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 LimitIncluded
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 your scheduled 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.

Check Out Some of Full Frame’s Benefits:

  • 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, CT, DC, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MT, NE, NH, 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 peace of mind knowing that your business is covered. Don’t leave your business vulnerable and buy today!

Photography Insurance starting at $129

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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.