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Your Options For Professional Photography Insurance

As professional photographers, we eat, breathe, and live photography. It’s not only our livelihood but our passion. Because photography is so close to our hearts, it’s important to use all our resources and protect our profession. Photography insurance is the best tool you can have in your toolbox when it comes to protecting your professional photography business.

Full Frame Insurance offers professional photographers general liability insurance policies that include camera gear insurance coverage, cyber liability coverage, damage to premises rented, and professional liability insurance.

Because photography is so important to you, let’s take a deeper look into photography insurance and exactly how you can protect your business.

Full Frame Insurance

Full Frame offers professional photographers A+ rated photography insurance at a price that is affordable and low-cost. Policies are tailor-made for each photographer, so your policy will be just what you need, ensuring that you not only have the coverage you need, but you aren’t paying for more than you need. Additionally, insuring your business with Full Frame is super convenient. The online application process takes less than 10 minutes with 24/7 access to your policy, so you can always stay in the know.

Stressed Young Adult Photographer Holding Camera With Broken Glass on Lens

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. Claims can range from a client tripping and injuring themselves on your equipment to your equipment damaging the client’s property. General liability can also protect against the cost of copyright infringement claims, personal and advertising claims, and more. Speak to a representative today to find out all the incredible benefits of general liability insurance.

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

Your gear is the heart of your professional photography business, so we understand that protecting it is a priority. Also known as inland marine insurance, camera equipment insurance can protect you from the cost of repairing or replacing damaged to stolen equipment. Equipment coverage includes camera bodies, lenses, lighting equipment, and more.

We understand that you don’t always work in the same place, that is why our coverage extends to accidents that occur at home, on the job, or anywhere in between.

Each business has its unique needs, that is why we offer several different coverage options, so you can choose which one is best for your business.

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

In today’s day and age, we all store information online, especially business information. But, that does lead to some serious security risks. Unfortunately, cybercrime is on the rise. However, you can protect your business information from cyber security threats by including cyber liability coverage on your photography insurance policy.

Damage To Rented Premises – $300K Occurrence / $300K Aggregate

This coverage option is a great way to protect your business from claims that could arise if you rent studio space or an event booth. It is common practice for studio owners and event organizers to require photographers to include them as additional insureds on a policy. For $30, Full Frame provides photographers with unlimited additional insureds.

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

Professional liability insurance can protect your business from the cost of negligence claims that can arise from professional errors or breaches of contract. We understand that technology can sometimes be a fickle thing, so if you experience a faulty memory card, we have you covered. This coverage is also a great idea if you teach photography classes or run demonstrations.

Couple of photographers working on computers in the studio

Let’s Talk About Numbers

Photography insurance shouldn’t cost an arm and a leg. That is why Full Frame offers three different plans for your unique business needs: Event, Annual, and Annual Plus.

Event

The event policy is a great policy if you only need coverage for a couple of days. It provides coverage for up to 3 days and is perfect for events. For only $59, the event policy includes a $2M General Liability coverage and unlimited additional insureds for just $5.

Learn More About Our Event Plan

Annual

Starting at $129 for coverage for an entire year, the annual policy offers $2M in General Liability coverage, additional policy options for added coverage, and unlimited additional insureds for $30. This policy does not include equipment coverage, but can be added at additional cost.

Annual Plus

This is our most recommended policy, for just $184 a year. This policy provides $2M in General Liability coverage, multiple camera equipment coverage insurance options, additional policy options for added coverage, and unlimited additional insureds for $30. By offering several different options for camera equipment coverage, we help you get the coverage you need without the hefty price tag.

Protect Your Professional Photography Business

Professional photographers can find the perfect coverage for them at Full Frame for not only a great price, but also a great fit. With coverage that is both personal and professional, your photography business is covered and protected. This allows you to focus on what you love and leave the stress of insurance behind.

So don’t wait a second longer and protect your professional photography business with photography insurance today.

Learn More About Photography Insurance

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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.