Photographer Insurance

Protect your freelance photography business. Purchase online in ten minutes or less.

  • Camera equipment insurance starting at $1,000 per item, $5,000 in total
  • $2 million total coverage for general liability, $1 million per occurrence
  • 1–3 day event policies for short-term coverage
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Do Freelance Photographers Need Liability Insurance?

Freelance photographers interact with many clients in a wide range of settings from portrait photography to special events like weddings. Whether you are a full-time freelancer 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.

Annual Freelance Photographer 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 freelance 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.


Basic coverage over a 3-day period

$59/ 3 days

  • A+ General Liability Coverage
  • Unlimited Additional Insureds
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Perfect for 3 or more shoots per year. Optional gear and professional services coverage.

$129/ year

  • Great for the full-time professional
  • General Liability $1M/$2M
  • No deductible for General Liability
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Annual Plus

The ultimate in Full Frame coverage

$184/ year

  • A+ Rated General Liability Coverage
  • Multiple Camera Equipment Insurance Options
  • Extra Policy Options For Added Coverage
  • $30 for Unlimited Additional Insureds
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Coverage Details

Here's a closer look at what we cover.

General Liability

$1M Occurrence / $2M Aggregate

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.

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 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.

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.