Covering Photographers & Their Equipment

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.