A woman in a photography studio

Why Your Business Needs Photography Insurance Right Now

As a freelance photographer you need to be carrying photography insurance. You can’t always depend on your photography sessions going smoothly and need to have the right protections in place in case anything were to go awry. In a perfect world, you wouldn’t need to deal with mishaps during sessions at any point in time, however, we don’t live in a perfect world. In a real-world scenario, mistakes happen all the time. We’re only human!

Let’s walk through some of the reasons your photography business needs insurance now.

Peace of Mind

Imagine that you are shooting a family portrait session in a beautiful valley. There are lots of trees, wildflowers, and tall grass. Your client accidentally trips over your camera bag and injures themselves. Is an apology going to cut it? In a lawsuit-hungry environment, it might not and you could be on the hook for their medical bills.


At Full Frame, we understand that you don’t have the time to get ready, drive over to an insurance office, and fill out a bunch of paperwork. It’s just too much, huh? Click here to choose from our event and annual policies. We’ll do the rest.

Ideal Coverage

We know photography insurance is probably the last thing on your mind. If anything, you’re probably not thinking about it all. Many people fail to realize how much photography insurance can cover. Take a look at what we offer below.

Annual Policy Limits of Liability

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


As a photographer, you carry a lot of equipment and we know it comes with a hefty price tag. You can protect your assets with insurance and leave the worry behind. We offer optional camera gear coverage for our annual policyholders. If your camera equipment happens to get damaged, it’s nice knowing that your insurance policy will help you out.

The benefits far outweigh the expense.

Annual Photography Insurance starting at $99/year


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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.