Damage to Premises Rented to You Coverage
Damage to Premises Rented to You coverage from Full Frame Insurance (FFI) protects your business if you accidentally damage rented spaces like studios, venues, and offices.
Benefits of Damage to Premises Rented to You Coverage for Photographers and Videographers
Prime photo opportunities won’t come to you; you need to go to them. Sometimes that means renting a site or soundstage to capture the shots you need. That’s where damage to rented premises coverage comes in.
This insurance is included in your general liability policy and designed to provide property damage coverage for up to seven days (after that it only covers fire damage).
- Pays up to $300,000 in damages with FFI’s Event, Annual, and Annual+ policies
- Defends you from paying out of pocket for damages done to rented facilities during short-term use
- Protects against eligible property damage claims caused by your business while renting office spaces, studios, and more for the first seven days of rental
- Covers fire damages after the first seven days
Why Have Damage to Rented Premises Coverage? Claims Are Expensive. Period.
But they don’t have to be because FFI’s damage to rented premises to you coverage protects you from paying out of pocket for hefty claims like these:
Get peace of mind today.
— $100,000
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Damage to Rented Premises Insurance Explained
What Is Damage to Rented Premises Coverage?
This coverage helps protect you if the place you’re renting for your business — like a studio, event space, or Airbnb — gets damaged while you’re using it. If an accident happens, such as a fire, water damage, or other covered event, this part of your policy can help pay for repairs so you’re not left covering the costs out of pocket.
Is Damage to Rented Premises Required for Photographers?
Damage to premises rented insurance is not a legal requirement, but it keeps your photography and videography business financially intact when renting:
- Studios
- Office spaces
- Conference rooms
- Soundstages
- Outdoor locations like state or national parks
- Scenic venues
While you’re not legally required to have it, many property owners require you to provide proof of insurance that includes coverage for their rental. Without it, you may not have access to the spaces you need to work.
Who Needs Damage to Rented Premises Coverage?
You need damage to rented premises coverage if you:
- Rent studios for photoshoots
- Rent outdoor locations for photoshoots or filming (like parks or gardens)
- Rent office spaces to edit your work or consult with clients
If your business does any of these operations, we recommend FFI’s general liability insurance that includes damage to rented premises coverage. FFI provides this coverage to these types of photographers or videographers:
How Much Does Damage to Rented Premises Insurance Cost?
Damage to rented premises insurance is included in all tiers of our general liability coverage at no extra charge.
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
-
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
-
Medical Expense Limit (Any One Person) $5,000
Pricing
-
$0-$100,000 in Annual Sales $129
-
$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
Designed to cover gear that is owned by you for your business including cameras, lenses, lighting, gimbals, and other equipment. Your Annual+ policy includes $2,000 per occurrence / $20,000 aggregate coverage, but if you have a lot of expensive gear, you may want higher limits. To add more equipment coverage, review the limits and prices below:
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$5,000 per item/$30,000 aggregate $19.75/month or $237/year
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$10,000 per item/ $60,000 aggregate $37.50/month or $450/year
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$15,000 per item/ $75,000 aggregate $47.33/month or $568/year
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Deductible $250
Note: Equipment insurance can only be added to the Annual Insurance Policy. Equipment and gear that is unattended in a vehicle or trailer is excluded.
Drone Coverage (Inland Marine) Pricing
Helps pay for the damage or theft of drones you own or rent for your business. You can add drone coverage to your existing camera equipment insurance starting at $25.83/month, with the option for higher limits to cover one drone or a whole fleet. See the limits and prices below:
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$2,000 occurrence / $20,000 aggregate $25.83/month or $310/year
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$5,000 occurrence / $30,000 aggregate $32.08/month or $365/year
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$10,000 occurrence / $60,000 aggregate $63.33/month or $760/year
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$15,000 occurrence / $75,000 aggregate $82.50/month or $990/year
Note: Drone coverage can only be added to the Annual+ Insurance Policy, and requires that you also carry Drone Liability Insurance. Drones left unattended in a vehicle or trailer are excluded.
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
-
1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
FAQs About Damage to Rented Premises Coverage for Photographers and Videographers
Who Does Damage to Premises Rented to You Insurance Protect?
Damage to premises coverage protects you AND the property owners you rent from. It ensures that you don’t have to pay out of pocket if an accident occurs, and that their property can be repaired or replaced with minimal fuss.
Is Flood Damage Included in Damage to Rented Premises Insurance?
No, flood damage and other natural disasters aren’t included in damage to rented premises insurance. This coverage only responds to accidents related to your business operations.
Be sure to review your policy to learn what’s covered and what’s not.
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.