Data Theft Protection (Cyber Liability) Insurance
If your photography or videography business falls victim to a cybercrime, Full Frame Insurance (FFI) has your back with Data Breach Coverage, also known as Cyber Liability Insurance.
Benefits of Data Breach Coverage for Photographers and Videographers
The ability to book photoshoots or video sessions online makes it convenient for your customers, but it can also make your business a target for hackers. A single breach can expose customer payment info, photos, and other data — and harm your business’s reputation. That’s where Data Breach Coverage comes in.
This insurance is an optional add-on for FFI’s Annual and Annual+ plans that covers data restoration claims and lawsuits, so you don’t have to pay out of pocket. This coverage is also designed to:
- Pay up to $100,000 in damages under FFI’s Annual and Annual+ policies
- Cover legal fees if a customer sues you after a data breach
- Cover data restoration fees
Hackers Don’t Just Steal Data —They Damage Reputations
But with FFI, Data Breach Coverage is your financial safety net against claims like these:
- A non-suspecting phishing email steals all of your client data → Your clients sue you for breach of privacy
- A hacker hijacks your customers’ payment info when you’re on public Wi-Fi → Your customers expect you to pay for their credit monitoring services
- Your social media account is hacked and publishes fraudulent posts → your customers file a lawsuit and leave negative reviews
Data Breach Coverage Explained
Data Breach Coverage is your financial shield against cyberattacks, such as phishing, ransomware, and other viruses that commit data theft. This insurance covers:
- Legal defense costs
- Data recovery and restoration fees
- Client notification expenses
- Settlement costs
Is Data Breach Coverage Legally Required?
Data Breach Coverage is not a legal requirement, but it financially covers your photography and videography business if cybercriminals steal your customers’ financial data, photos, or videos.
Without this insurance, you’d have to pay for attorney, court, and data restoration fees out of pocket.
Who Needs Data Breach Coverage?
You need Data Breach Coverage if your photography or videography business:
- Book sessions or events online
- Accept money through online payment apps
FFI provides coverage to these types of photographers and videographers:
How Much Does Data Breach Coverage Cost?
Data Breach Coverage only costs $6 a month — about the price of a new lens cleaning kit — or $75 per year as an add-on for FFI’s Annual and Annual+ policies.
Coverage Details & Limits
Take a closer look at our coverage details and pick the policy that fits your needs!
What's Included?
What You Can Add
Annual Policy Limits of Liability
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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
$2M Occurrence/$2M Aggregate
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$0-$100,000 in Annual Sales +$6.42/month
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$101,000-$200,000 in Annual Sales +$16.50/month
Equipment Insurance Pricing
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$5,000 per item/$30,000 aggregate +$12
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$10,000 per item/ $60,000 aggregate +$145
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$15,000 per item/ $75,000 aggregate +$229
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Deductible $250
What's Included?
What You Can Add
Annual Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit $2,000,000
-
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
-
$0-$100,000 in Annual Sales $129
-
$101,000-$200,000 in Annual Sales $209
What's Included?
What You Can Add
Event Policy 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
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1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
Data Breach Coverage FAQs for Photographers and Videographers
Is Data Breach Coverage Worth It?
Absolutely! A single cyberattack can cost you thousands in legal and data recovery expenses and harm your business’s reputation. Data Breach Coverage is designed to cover these fees, so you don’t have to pay for them out of pocket.
What’s Not Covered By Data Breach Coverage?
Data Breach Coverage does not cover:
- Attacks that steal your personal data
- Faulty memory cards
- Customer injuries
- Property damages
- Camera theft or damage
- Studio or other rented building damage
Chris Van Leeuwen, CIC | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.