Freelance Photographer Insurance

Protect your portrait photography business. Purchase online in ten minutes or less.
Most POPULAR

$129

per year

Safeguarding Your Passion: Don't let gear malfunctions or theft hinder your photography journey - equipment coverage keeps you thriving
AS LOW AS

$59

per event


General liability only
1
years in photographer & videographer insurance
500
photographers trust Full Frame Insurance
25
Covered claims and pockets protected - and growing

What is Freelance Photography Insurance?

Whether you are a full-time freelance photographer or simply work a few shoots in your spare time, you are at risk of liability accidents that could cost you thousands of dollars or more. Full Frame’s freelance photographer insurance provides freelance photographers with high-quality, low-cost coverage to protect you from the cost of claims and allow you to continue freelancing with peace of mind. Policies can include General Liability coverage, Camera Equipment Coverage (camera bodies, lenses, lighting gear, backdrops), Professional Liability coverage, and more.


Freelance Photography Policies

Protect your freelance photography business with our annual packages with up to $2 million general liability coverage, multiple options for camera equipment insurance, and additional policy options for customized coverage.

Designed for photographers who only need short-term coverage, our event policy provides the basic protection your business needs over a 3-day period. With our event policy, you’ll never have to worry about insurance when you don’t absolutely need it.

MOST POPULAR

Annual +

365 Days of Coverage

4.7/5 Stars
4.7/5

$184/ year

Event Policy

1-3 Days of Coverage

For photographers and videographers who need basic liability coverage over a 1-3 day period. Add unlimited additional insureds for any event.

$59/ 3 days

MOST POPULAR

Annual +

365 Days of Coverage

4.7/5 Stars
4.7/5

$184/ year

Annual Policy

365 Days of Coverage

For photographers and videographers who need long-term liability coverage and protection, but don’t need camera equipment insurance. Additional coverage options available.

$129/ year

Coverage Details

Here’s a closer look at what we cover

General Liability

$1M Occurrence / $2M Aggregate

General liability insurance can protect your photography 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.

Camera Equipment Coverage

$1,000 Occurrence / $5,000 Aggregate

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.

Damage To Rented Premises

$300,000 Occurrence / $300,000 Aggregate

This coverage can protect your photography business from the cost of claims arising from damages done to rented spaces, like a photography studio or event booth. It’s common for property owners and event organizers to require photographers to list them as additional insureds on a policy before renting a space. Full Frame provides photographers with unlimited additional insureds for just $30.

Professional Liability

$100,000 Occurrence / $200,000 Aggregate

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.

Cyber Liability

$100,000 Occurrence / $100,000 Aggregate

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.

Increased Limits

$3M / $4M Aggregate

If your business requires additional protection against bodily injury or property damage claims, you can increase the limits of your policy. This increases the maximum amount of coverage provided by your general liability policy, up to $2 million in coverage per occurrence with a $3 million aggregate, or $3 million per occurrence with a $4 million aggregate.

Frequently Asked Questions About Freelance Photographer Insurance

Freelance photographer insurance covers:

  • General Liability 
  • Camera Equipment Coverage
  • Damage to Rented Premises
  • Professional Liability
  • Cyber Liability
  • Offers Increased Limits

It also covers third-party property damage, third-party injuries, and advertising injury. Common claims of freelance photographers include damaged camera equipment, a client tripping and injuring themselves on business equipment such as backgrounds or lighting stands, and errors and omissions such as a faulty memory card not saving your client’s photos.

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Freelance Photography insurance starts out at $184 per year for our Annual Plus plan, $129 per year for the Annual plan, and $59 for three days of coverage with our Event plan. Prices can vary depending on the state your business is located in.

Yes. As a freelance photographer, you are susceptible to many different kinds of claims such as broken or stolen equipment, client injuries, and faulty memory cards. These claims can oftentimes be expensive and could financially devastate your business. Freelance photographer insurance can help mitigate or even eliminate those out-of-pocket costs.

Yes. As a freelance photographer, you may just need insurance for a day or two. Our event policy provides short-term general liability coverage with a limit of up to $2M. One-day photographer insurance is perfect for freelance photographers looking to protect their business with short-term coverage. 

Full Frame provides freelance photographers with a wide variety of coverage options. Here is a list of coverage options a freelance photographer needs:

  • General Liability 
  • Camera Equipment Coverage
  • Damage to Rented Premises
  • Professional Liability
  • Cyber Liability
  • Offers Increased Limits

Full Frame Reviews

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

Related Articles

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.