Covering Photographers & Their Equipment

Insurance for cameras, lenses, gear, and equipment. Business and equipment insurance in 10min or less.

Camera and Equipment Coverage Pricing

The business policy starts at $129/yr. To add equipment insurance choose proper amount of coverage you need.

  • $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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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.

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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.

Annual Plus

The ultimate in Full Frame coverage

$184/ year

Camera Equipment Coverage Details

We offer multiple coverage options for camera equipment insurance, so you never have to pay for more than you need.

  • $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


Comprehensive coverage without equipment insurance

$129/ year

Annual Policy Limits of Liability

  • General Aggregate Limit (Other Than Products – Completed Operations) $2,000,000
  • Products - Completed Operations Aggregate Limit Included
  • Personal and Advertising Injury Limit $1,000,000
  • Each Occurrence Limit $1,000,000
  • Damage to Premises Rented to You Limit (Any One Premises) $300,000
  • Medical Expense Limit (Any One Person) $5,000


  • $0 - $100,000 in Annual Sales $129
  • $101,000 - $200,000 in Annual Sales $209
An individual can purchase one additional insured for $15, and $30 for an unlimited number of additional insured’s under the annual policy.


Basic one-day photography insurance or up to 3 days of coverage

$59/ 3 days

Event Coverage Limits of Liability

  • General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
  • Products - Completed Operations Aggregate Limit Excluded
  • Personal and Advertising Injury Limit $1,000,000
  • Each Occurrence Limit $1,000,000
  • Damage to Premises Rented to You Limit (Any One Premises) $300,000
  • Medical Expense Limit (Any One Person) $5,000

Pricing (for consecutive days)

  • 1-3 Days $59
Unlimited additional insureds may be purchased for $5 under the event policy.
Please note that Products and Operations has been specifically excluded from our Event Insurance. If you need products coverage, or you are looking for a more comprehensive options, please consider purchasing our Annual 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.

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.