General Liability – All States
Camera Gear Coverage (Inland Marine) – All States except Hawaii
Professional Liability – All states except CA, CT, FL, NY, OK and WA*
If you do not see your state listed, please check back. We are adding new states regularly and will soon cover all 50 states.
Cyber liability insurance protects your business from the costs you face because of a cybersecurity breach. Cybercrime is a common threat to 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 in your policy.
Failure to deliver coverage — also known as professional liability or errors and omissions — protects your business from the cost of negligence claims. These can arise from professional mistakes, like giving bad instructions, memory card or equipment failures ruining your shoot, or a last-minute illness that means you can’t fulfill your contract.
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 is designed to protect your business from the cost of third-party bodily injury and property damage claims (like if a client trips over your gear at a shoot and injures themselves). It also protects against the cost of copyright infringement claims and personal and advertising injury claims.
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.
Also known as inland marine insurance, camera equipment coverage protects your business from the cost of repairing or replacing damaged or stolen business equipment. This includes camera bodies, lenses, lighting equipment, and business equipment. We offer multiple levels of equipment coverage based on your business needs.
