Frequently Asked Questions

Q. What Is Full Frame Insurance?

Full Frame Insurance an online insurance provider designed specifically to help photographers and videographers protect their businesses from the cost of claims. With event policies for just $59 and annual policies starting at just $129 a year, Full Frame has the high-quality, low-cost insurance you need to create a financial safety net for your business.

Q. Is Full Frame Insurance Legit?

Yes, Full Frame Insurance is in fact a legit business that provides photographers and videographers across the nation with A+ rated, low-cost insurance. We’ve helped thousands of business owners protect their businesses from the cost of claims. We understand your doubts, though. An insurance company that provides coverage that is both high quality and affordable? It’s almost too good to be true! But that’s exactly what makes Full Frame so unique.

Q. What Makes Full Frame Insurance So Affordable?

The answer is simple: Full Frame Insurance is affordable because it doesn’t have to be expensive. As an online program, Full Frame sells directly to business owners—there are no agents, no quotes, and most importantly, no commissions. With Full Frame, you can trust that your yearly premium is doing exactly what it’s supposed to: protecting your business. But there’s another trick, and it has to do with how Full Frame distributes its policies. When you purchase insurance with Full Frame, you are added as a policy holder to a risk purchasing group called the beauty, health, and trade alliance—owned and managed by our parent company, Insurance Canopy. Risk purchasing groups are groups composed of policyholders who purchase insurance together, enabling them to purchase coverage at a lower rate. But don’t worry: You’re still getting your own insurance policy, with your own limits. You don’t actually share anything with the group’s other policy holders.

Q. What is Full Frame’s Privacy Policy?

Privacy Policy

Q. Does Full Frame Insurance Cover Drones?

At this time Full Frame Insurance does not offer drone coverage. 

Q. What Does Camera Equipment Insurance Cover?

Camera Equipment Coverage covers camera bodies, lenses, lighting equipment, backdrops, and more. These things are generally not permanently attached to a building or vehicle. Camera equipment coverage extends to your property whether you’re in a studio, your home, on location, or anywhere in between.

Q. What Does $1,000 Per Item / $5,000 Aggregate Mean?

$1,000 is the most the policy will pay for any one item loss in a claim i.e., If we have a $2,000 camera lens and a $1,000 camera body both subject to the same covered loss, the policy would only pay up to $1,000 for the lens and up to $1,000 for the camera body and a total of $5,000 for all items combined.

Q. Does Camera Equipment Insurance Cover Me While Traveling?

Yes! While the photographer has to be based out of a covered state, their equipment coverage is valid anywhere in the world.

Q. If I Live In A Covered State, Can I Use Full Frame Insurance In A Non-Covered State?

Yes! We require the photographer to be based out of one of the states that we cover. However, they are covered anywhere in the US and Canada for liability coverage.

Q. Does My Policy Cover Rented Equipment?

Yes. The Camera Equipment Coverage will extend to rented equipment used for your business that fits the Gear Coverage requirements.

Q. Does the Full Frame General Liability Policy Cover Editing?

No. This is a liability policy and does not have any coverage for the content produced. Professional Liability coverage does offer some limited editing coverage for weddings but does not extend beyond that. Contact us today for more information. 

Q. I Hire Independent Contractors – Are They Covered?

No. The Full Frame Policy does not extend coverage to Independent Contractors, they would need their own policy.

Q. Who Does My Policy Extend To?

Your Business Type will determine who is automatically insured on your policy. If you have more questions regarding this please contact us.  

Q. Does The Policy Cover Models And/Or Actor/Actresses?

No. The Full Frame policy does not offer coverage for these types of entities. Film Production is excluded.

Q. Can I Do Boudoir Portraits?

Yes. Photos must be kept private and not advertised. 

For in depth information regarding our programs’ coverage details, please visit our coverage details page.

Q. How Do I Purchase a Full Frame Policy?

To purchase a Full Frame policy:

  1. Click on the “Buy Now” button in the menu at the top of the web page.
  2. Select the policy you would like to purchase: our one day photography insurance or our annual policy. You will then be directed to our policy application form.
  3. Fill out the required information on our short, three-step application form according to the coverage you would like to purchase.
  4. At the end of the form, select purchase policy.

Your policy will be active once your payment has been verified, after which you may access your Full Frame user portal. In your portal where you view and print your insurance certificate, add additional insureds, and manage your account 24/7.

Q. Do I Qualify For Full Frame Insurance?

Full Frame Insurance is designed for individual photographers and small photography businesses. If you are a photographer or videographer who makes less than $200,000 and does not violate the following conditions, then you qualify for Full Frame. If your gross sales does exceed $200,000, don’t worry. We may still cover you, but you’ll need to contact us directly to discuss the additional coverage requirements for your business.

Q. Full Frame Conditions
  • Must not currently perform, or must not have previously performed, any work that would be considered adult material
  • Must not currently perform, or must not have previously performed, any work that would be considered paparazzi
  • Must not have had any complaints, claims, or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel, or other personal or advertising issues
  • Must not have had any insurance claims exceeding $5,000

If you have a question on whether or not your business qualifies for Full Frame, feel free to call us or use our contact form to send a message and we’ll respond within 24 business hours.

Q. When is My Photography Insurance Effective?

Your photography insurance or videography insurance policy will activate immediately after your payment online is verified or on the date you selected your coverage to start. Once your payment is verified, you will have access to your Full Frame user portal, where you can view and print your insurance certificate, add additional insureds, while also managing your account online 24/7.

Q. Can I Add Another Policy to My Full Frame Coverage?

Yes. Simply, go to your user dashboard under My Policies > Edit My Policies.

Q. If I No Longer Need My Insurance, Can I Get a Refund?

No. Full Frame does not offer refunds.

Q. Can I Increase My General Liability Limits?

Yes, you can increase your Annual policy limits. However, you cannot increase your Event policy limits.

The annual policy is done through an umbrella or excess policy (they do the same thing). Excess policies are only offered to increase your limits. In order for us to be able to get you a quote, agents please gather the following and send it to sales@insurancecanopy.com:

  • Insured Name:
  • Business Name:
  • Phone Number:
  • Email:
  • Business Description:
  • Do you currently have an online policy?:
  • What program?:
  • What they need:

*Please note that it is about $600 per million to add the excess coverage. The quote takes about 3-5 business days to get back and the entire process can take up to 2 business weeks to finalize.

Q. How Far Out Can I Start My Policy?

Annual policies can be dated in advance up to 60 days. 

Event policies can be dated in advance up to 180 days (There may be some exceptions due to master policy renewals).

Q. What Is A Loss Payee?

A loss payee is a person or organization listed on an insurance policy’s declarations page that is entitled to receive claim payments before the policy owner due to a financial interest in the insured property.

Loss Payees are added by endorsement on the Full Frame Policy. The additional cost is $25.

Q. Can I add an additional insured after I purchase my policy?

Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.

Q. What is an additional insured?

An additional insured is a person or organization that is added to your insurance policy by endorsement and this is a common request. When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence. You are not at risk for their operations when you add them as an additional insured.

Q. Is there a cost to add an additional insured?

Yes. If you purchase an annual policy with Full Frame, you can purchase one additional insured for $15 or an unlimited number of additional insureds for $30. If you purchase an event policy, you can purchase unlimited additional insureds for $5.

Q. Can I add an additional insured after I purchase my policy?

Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.

Q. What is an additional insured?

An additional insured is a person or organization that is added to your insurance policy by endorsement and this is a common request. When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence. You are not at risk for their operations when you add them as an additional insured.

Q. What is a Certificate of Liability Insurance?

An additional insured is a person or organization that can be added to your insurance policy, which extends your insurance coverage to them. Venues and event organizers often require vendors to include them as an additional insured in order to work on the premises or participate in the event. When you include someone as an additional insured, your photographer insurance protects them should an accident involving your business occur.

Q. How Can I Access My Certificate of Insurance?

With Full Frame’s annual photography insurance policy, you can add one additional insured for $15 or an unlimited number of additional insureds for $30. With Full Frame’s one day photography insurance policy, you can purchase unlimited additional insureds for $5.

Q. Who May Require Me To Provide a Certificate of Liability Insurance?

Many venues and events require professional photographers and videographers to present a certificate of liability insurance before allowing you to shoot on location or participate in the event. Entities Who May Require a Certificate of Liability Insurance:

  • National or state parks
  • County parks or recreation areas
  • Sports arenas, expo centers, or event venues
  • Privately held company property such as large hotels

Full Frame Insurance allows you to download and print your certificate of your photographer insurance upon purchase. You may have to include it as part of your permit applications. With Full Frame, you can download your certificate of liability insurance on your mobile phone and have it with you everywhere you go.

Q. Can I add an additional insured after I purchase my policy?

Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.

Yes. Additional insured may be added retroactively to your existing Full Frame coverage. For annual policies, you may add one additional insured for $15 or unlimited additional insureds for $30. For event policies, you may add unlimited additional insureds for $5.

To add an additional insured after purchasing your policy:

  1. Log into your Full Frame user portal
  2. Under the Manage Policies section, click “Change Policy Options”
  3. In the application form, add the additional insured’s information
  4. At the end of the form, click “Purchase Now”

If you need to change the information on any of your additional insured, please email us with the information you need to change.

Q. Does My Policy Automatically Renew?

No. Your Full Frame policy does not automatically renew unless you opt-in to Full Frame’s easy renewal system.

You may choose to opt-in to EZ Renew, Full Frame’s auto-renewal system, during the checkout process or at any time after purchasing your policy.

To enroll after purchase, click the “My Policy” button in your dashboard. If you choose not to enroll, your policy will not automatically renew.

Q. How Do I Renew My Policy?

To renew your Photographer Insurance policy:

  1. Login to your Full Frame user portal
  2. UnderClick on “My Policies” then click the “Renew” button next to your expiring policy number.
  3. Click that button and follow directions provided to you.

Please note that the “Renew” button will only be available within 30 days of your policy expiration date.

Q. Will I Get a Renewal Reminder?

Yes, you will receive reminders to renew your policy. Automatic reminders are emailed to you 30 days, 15 days, and one day before your policy expires.

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.

Professional Liability

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.