Freelance Photographer Insurance

Quick. Easy. Covered. Protect your photography business in minutes.

Starting at

^$12 / month

$129/year or $59/event

Accidents happen… smart photographers plan for them. Get coverage today.

4.2/5 Stars

★★★★★ 4.2/5

Years in photographer & videographer insurance

500

Photographers trust Full Frame Insurance

Covered claims and pockets protected - and growing

What is Freelance Photography Insurance?

Freelance photography insurance helps protect you from the unexpected risks that come with every gig, like property damage, gear theft, or a client lawsuit. Whether photography is your full-time job or a side hustle — even if you just consider it a hobby — one accident could cost you thousands.

With photography insurance from Full Frame, you can shoot with confidence knowing you’re protected. Our highly rated, budget-friendly plans can be customized with general liability, professional liability (errors & omissions), gear and camera insurance, and more.

Protect your passion… and your paycheck.

Freelance Photography Policies

Starting at $12/month, Full Frame’s annual packages include up to $2 million in general liability coverage, plus options to protect your gear (up to $75,000 and get professional liability, data breach coverage, and more. Choose what you need, skip what you don’t.

Our low-cost event policy gives you short-term protection when you need it most, with 1 to 3 days of coverage and no long-term commitment. Get peace of mind for your next gig without paying for insurance you don’t need year-round.

Coverage Details

Here’s a closer look at what we cover

General Liability

Included: $2M Annual Coverage
Increased Limits Available

General liability helps cover the costs if you accidentally hurt someone or damage something while on a job. It’s peace of mind for the what-ifs — so one mistake doesn’t wipe out your income.

If someone trips over your gear and gets injured, or your light stand falls and causes property damage, it can pay for medical bills or repairs. Our policy can also protect you if someone claims you used their work without permission, takes issue with your advertising, or a competitor sues you for slander. Visit our liability insurance simplified page to learn more.

Camera Equipment Insurance

Up to $75,000 Annual Coverage (Optional)
$5K Included in Annual Plus Automatically!

Also known as Inland Marine, camera insurance can pay to repair or replace damaged or stolen business equipment — camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on the job, and anywhere in between.

Full Frame’s annual plans offer multiple camera equipment insurance options to match your business needs. Not available on Event policies.

Damage To Rented Premises

Included: $300,000 (Annual Plans Only)

Designed to protect your videography business from the cost of claims if you accidentally damage a rented space, like your studio or event booth.

This includes broad property damage coverage for the first seven (7) days and accidental fire damage (also known as fire legal liability insurance) after that.

Professional Liability

Optional: $200,000 per policy term
Highly recommended for most photographers!

Professional liability (also called “errors and omissions” or “failure to deliver” coverage) helps protect you if something goes wrong and a client says you didn’t do what you promised.

Maybe you missed a key shot, your memory card failed, or you got sick and couldn’t show up. It can also cover mistakes — like giving the wrong instructions or forgetting an important step in a demo.

This coverage helps protect your reputation — and your wallet — when honest mistakes happen.

Data Breach (Cyber Liability)

Optional: $100,000 per policy term

Data breach insurance helps protect you if your business gets hacked or hit with a cyberattack, like ransomware, malware, or phishing. It’s a smart idea if you take online payments, store client info or photos, or send private files through email or the internet.

This coverage can help pay for things like alerting clients, fixing your systems, legal fees, and any settlements if you get sued.

Frequently Asked Questions About Freelance Photographer Insurance

What Does Freelance Photographer Insurance Cover?

Freelance photography insurance can cover expensive claims that can arise from common risks you face on the job — like injuries, damaged gear, and client disputes. It can cover:

General liability: A client gets hurt or their property is damaged during a shoot
Camera and gear coverage: Repairs or replacements if your equipment is stolen or damaged
Damage to rented spaces: For accidentally damaged property at a venue or studio you’ve rented
Professional liability (errors & omissions): You miss important shots, lose files, or fail to deliver on your contract
Cyber liability: If you’re hacked, lose client files, or have a data breach
Optional higher coverage limits: If you need extra protection for your gear or client contracts

Check What’s Covered

How Much Does Freelance Photography Insurance Cost?

The cost of freelance photography insurance starts at $12 per month (general liability only). For $23.83 per month, freelance photographers can bundle camera and general liability insurance in our Annual Plus plan. An event policy costs $59 for three days of general liability coverage.

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Do I Need Insurance As A Freelance Photographer?

Yes — accidents happen, and without insurance, they can be expensive. You could be held financially responsible if a client gets hurt on a shoot, your equipment is stolen, or a memory card fails and you lose important photos. Photography insurance is designed to cover unexpected problems like these, so one mistake doesn’t put your business at risk.

Can I Get Photographer Insurance For One Day?

Yes — if you only need coverage for a day or two (like for a wedding, event, or one-time shoot), Full Frame’s event policy has you covered. It’s designed to meet event and venue requirements with short-term general liability protection with limits up to $2 million that won’t break the bank.

It’s a simple, affordable way to protect yourself from accidents or damage during a single job — without paying for a full year of coverage.

Get an Event Policy

You're In Good Company With Full Frame

Voted Best Camera Insurance by Shotkit

Here’s what other people have to say about their experience.

"Really easy & just what I needed."

Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.

"Great, fast insurance at a perfect price."

Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!

"The easiest and fastest insurance experience I’ve ever encountered"

The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!

"Quick easy and more affordable than other options"

Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.

"Easier way to get insurance for your event."

Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️

"Ordering was super simple"

Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.

Freelance Photographer Insurance

What is Freelance Photography Insurance?

Freelance Photography Policies