Camera Equipment Insurance

Most POPULAR

$271

per year

Standard General Liability plus the following equipment coverage:

$5k per item/$30k per year
AS LOW AS

$184

per year

Standard General Liability plus the following equipment coverage:

$1k per item/$30k per year
4.7/5
4.7/5

Full Frame Reviews

Here’s what other photography professionals have to say about their experience.

Rob L.
Rob L.
Rob Productions
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"Really easy & just what I needed."

Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
Melissa Ballarin
Melissa Ballarin
Business Owner
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"Great, fast insurance at a perfect price."

Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!
Hannah Mayo
Hannah Mayo
Business Owner
Read More
"The easiest and fastest insurance experience I’ve ever encountered"

The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Alexandra Lane
Alexandra Lane
Business Owner
Read More
"Quick easy and more affordable than other options"

Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Javier Lima
Javier Lima
Javier Events
Read More
"Easier way to get insurance for your event."

Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
JD Guy
JD Guy
PixrGuy
Read More
"Ordering was super simple"

Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
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Annual Plus

Includes camera gear protection. Protects professional photographers for a full year.

$184/ year

Photography Equipment Insurance Details

You can add to your Annual Plus coverage with the following options:

  • $2,000 per item/ $20,000 aggregate + $75
  • $5,000 per item/$30,000 aggregate - [MOST POPULAR] + $87
  • $10,000 per item/ $60,000 aggregate + $220
  • $15,000 per item/ $75,000 aggregate + 294

* $250 Deductible

Don't Let Accidents Keep You From Working

You may be wondering what types of claims photography equipment insurance covers. As a professional photographer, you take utmost care to prevent mishaps, but unexpected incidents can still occur. Here are some common claims you could face as a photographer, and how much our insurance coverage can protect you:

Hard drive dropped and broken- $498 Damage caused to flash attachment - $1,782 Camera body display cracked after tripod fell- $2,097 Drink spilled on laptop at shoot- $2,856 Attended equipment stolen at event - $5,294 Telephoto lens dropped after strap snapped- $7,314

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. Gear that is unattended and stolen is not covered.

Accidents Can Cost You

You may be wondering what types of claims photography equipment insurance covers. As a professional photographer, you take utmost care to prevent mishaps, but unexpected incidents can still occur. Here are some common claims you could face as a photographer, and how much our insurance coverage can protect you:

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. Gear that is unattended and stolen is not covered.

Learn More About Camera Equipment Insurance

What Is Photography Equipment Insurance?

Photography and videography camera equipment insurance covers your cameras, lenses, lighting equipment, and other camera-related gear on and off-premises of a shoot and during transportation. If you are a photographer or videographer who travels to various locations, adding Full Frame’s equipment insurance to your annual policy is necessary to protect the tools of your trade.

Should your photography equipment be stolen or damaged, you could be looking at thousands of dollars in replacement costs. A loss of this magnitude could affect your bottom line due to downtime or the financial strain of replacing your equipment. Camera Equipment Insurance can be added to a Full Frame Photographer Insurance or Videographer Insurance annual policy for as low as $55 per year.

We also offer professional and cyber coverage, learn more here

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Who Needs Camera Insurance

Professional photographers who work with expensive equipment all need camera and photography equipment insurance. We understand how important your equipment is to you—that is why we created an insurance policy to help you cover damaged or stolen items. 

If you are a professional photographer looking for camera & photography equipment insurance, then you’ve come to the right place!

Photography Equipment Insurance Covers:  

  • Professional Photographers
  • Freelance Photographers
  • Landscape Photographers
  • Wedding Photographers
  • Photography Businesses
  • Excludes hobbyists 

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Affordable Professional Camera Insurance

Get affordable camera insurance with a Full Frame annual general liability policy included. You can personalize your policy to fit your unique business needs and exposures. Enjoy an affordable, low-price policy and access to our non-commission agents. 

You can add photography equipment insurance to your annual policy and review the limits and pricing options. You can add the coverage you need at checkout.

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What Kinds of Damage or Loss Can Camera Equipment Insurance Cover?

Camera gear insurance provides comprehensive equipment coverage for many common liability risks that professional photographers face when it comes to equipment damage or loss. These risks include:

  • Damaging your equipment on the job
  • Damaging your equipment during transportation
  • Damage to your equipment by a third party
  • Damage to or loss of your equipment as the result of an accident, like a fire or building collapse
  • Loss of equipment from theft, as long as it is documented

Even With camera equipment insurance, claims can still happen, but their consequences don’t have to be financially devastating. Professional camera insurance can help mitigate or eliminate the cost of replacing or repairing your camera gear.

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Frequently Asked Questions
About Camera Equipment Insurance

Full Frame provides photographers and videographers with several Camera Equipment Insurance options to fit their business needs. Starting at just $55 per year, photographers and videographers can protect their gear for up to $1,000 in coverage per item with a $5,000 aggregate limit.

If additional coverage is needed, you may opt to upgrade your Camera Equipment Insurance. The highest amount of coverage Full Frame provides caps at the cost of $349 per year for up to $15K in coverage per item with a $75K aggregate limit. There are several options available between the lowest and highest rates.

Full Frame’s Camera Gear Insurance Options

  • $1,000 per item/ $5,000 aggregate – $55
  • $2,000 per item/ $20,000 aggregate – $130
  • $5,000 per item/$30,000 aggregate – $142
  • $10,000 per item/ $60,000 aggregate – $275
  • $15,000 per item/ $75,000 aggregate – $349

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Hopefully you never have to file a claim for your damaged gear, but if you do, there is a deductible of $250 per claim that you will be required to pay before receiving coverage. You will not be required to pay a deductible at any time other than when you file a claim for damaged gear.

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An item is defined as one or more objects that were included together at the time of purchase. For example, if you purchased a camera body that came with a camera lens, both the body and the lens would be considered one item. However, if the camera body did not come with a lens, and you had to purchase a lens separately, each object would be considered as its own individual item.

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Yes! Go ahead and book that international shoot. Our camera equipment insurance is a worldwide policy and will cover your gear outside of the United States. We can insure your cameras, lenses, lighting equipment, and more. This policy is designed to respond to camera equipment insurance claims on and off premises and during transportation.

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No, it does not. Full Frame Insurance only offers camera equipment insurance to photography equipment owned by the photographer.

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No. Full Frame Insurance does not protect for theft from an unattended vehicle or trailer unless the owner or an employee is within 10 yards and only during loading or unloading of equipment.

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FFI’s equipment coverage is based on a type of policy called Tools & Equipment Insurance (sometimes referred to as “Inland Marine”). This means the kinds of equipment we insure are limited to the specific tools you rely on to produce the final product of your business. These tools must also be mobile in nature, as in, equipment that is regularly transported as part of your work. Things like your camera, portable hard drives, mobile lighting, microphones, and even certain computers are all eligible for coverage. FFI will NOT insure things like:

-Permanently installed studio lighting, furniture, or props.
-Things used to help you gain access to a shooting location. (Camping equipment, climbing gear, outdoor apparel, etc.)
-Your car or other means of transportation.
-A laptop or electronics that aren’t primarily used for business purposes.
-Anything that is contraband or in the course of illegal transport.

FFI also does not offer coverage for drones at this time as high loss probability and certain FAA regulations make them difficult to insure.

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We know insurance can be overwhelming

Contact a Full Frame specialist for assistance today!

Related Articles

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.

'Failure to Deliver' Coverage
(Professional Liability)

‘Failure to Deliver’ Coverage, also known as 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.