Covering Photographers & Their Equipment
Insurance for cameras, lenses, gear, and equipment. Business and equipment insurance in 10 min or less.
Camera and Equipment Coverage Pricing
The basic business policy starts at $129/yr, or $12/month. To add equipment insurance choose the proper amount of coverage you need. What you select will change your annual, or monthly payment during checkout.
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$2,000 per item/ $20,000 aggregate $218
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$5,000 per item/$30,000 aggregate $237
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$10,000 per item/ $60,000 aggregate $450
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$15,000 per item/ $75,000 aggregate $568
Camera Equipment Insurance
Camera equipment insurance can cover your cameras, lenses, lighting equipment, and more.
General Liability Insurance
Location, onlookers, subjects, and equipment all present risks and exposures you could face during your day-to-day business activities.
Additional Insureds
An additional insured is a person or organization (not an employee or a friend) that can be added to your insurance policy by endorsement.
Who Do We Cover?
From amateurs and hobbyists to freelancers, small businesses, professionals, and content creators — Full Frame is designed to cover you.
Photographers
Commercial
Freelance
Portrait
Real Estate
Special Events
Travel
Wedding
Videographers
Commercial
Freelance
Special Events
Travel
Wedding
Annual Plus
Includes gear protection. Protects professional photographers for a full year.
$347/ year
- Cameras, Lenses, Gimbals Protected
- $2,000 per item / $20,000 aggregate
- Professional, Cyber Liability, Drone Liability and Drone Coverage Available (Optional)
- $30 for Unlimited Additional Insureds
Camera Equipment Insurance Details
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$5,000 per item/$30,000 aggregate [MOST POPULAR] $19.75/month
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$10,000 per item/ $60,000 aggregate $37.50/month
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$15,000 per item/ $75,000 aggregate $47.33/month
* $250 Deductible
Annual Photography Insurance
Comprehensive coverage without equipment insurance
$12 / month
- Great for the full-time professional
- Additional Policy Options For Added Coverage
- $30 for Unlimited Additional Insureds
Annual Photography Insurance Limits
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General Aggregate Limit (Other Than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing
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$0 - $100,000 in Annual Sales $129
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$101,000 - $200,000 in Annual Sales $209
Event Photography Insurance
Basic one-day photography insurance or up to 3 days of coverage
$59 / 3 days
- $2M in General Liability Coverage
- Unlimited Additional Insureds
Event Photography Insurance Limits
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit Excluded
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing (for consecutive days)
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1-3 Days $59
Unlimited additional insureds may be purchased for $5 under the event policy.
Questions? We've got answers!
Photography Insurance is a liability insurance plan designed by Full Frame to protect photographers from the risks associated with the photography industry. These risks include trip and fall accidents resulting in the injury of a client, property damage, loss of photography equipment, and more. Without liability insurance, these events could lead to thousands of dollars of financial loss.
Both of Full Frame’s event and annual photography insurance policies include general liability, which can protect photographers from many of the day-to-day risks they might face. Additional coverage options are available with Full Frame’s annual policy, including professional liability, camera gear insurance, cyber liability insurance and more.
Photography insurance helps protect photographers from financially damaging liability claims. Common liability claims that photographers face include bodily injury claims, which can occur when an individual is injured either during or as a result of your business operation, and property damage claims, which can arise when someone’s property is damaged as a result of your business operation.
Depending on the business, photographers often face additional claims, like negligence claims that can be covered by a professional liability policy, cyber liability claims that can be covered by a cyber liability policy, and business personal property claims that can arise when your gear is damaged or stolen. Full Frame’s annual photography insurance policy can include these additional coverage options according to your business needs.
Whether you run a professional photography business or are simply starting out as a freelance photographer, you face several liability risks every day as you perform your business operations at new locations and with a diverse array of clients. Should something go wrong, you could be held liable for a variety of hefty expenses, including medical bills, repair costs, and legal fees.
Photographer insurance is designed to help photographers like you weather the unknowns of each photo shoot. In addition, if you rent studio space or any other location, or plan to participate in events like trade shows to market your business, you may be required to carry liability insurance—and list the owners as an additional insured—before you are allowed to work on their property.
Yes, Full Frame offers a variety of camera equipment insurance options that can be included into your annual Photographer Insurance policy.
Depending on the price of your gear and your specific coverage needs, you can insure your photography equipment for as low as $55 dollars a year for up to $1,000 in coverage per item or choose to increase your coverage to up to $349 a year for $15K in coverage per item.
Whether you’re a seasoned photographer veteran with years of experience, or a newly started freelance photographer, if you perform your photography as a professional service you face risk and could be liable to pay hefty expenses in the event of an accident.
Full Frame Reviews
Here’s what other people have to say about their experience.
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.
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!
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!
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.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.