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How To Add an Additional Insured

Is a venue or event asking you to add them as additional insureds to your photography or videography insurance policy? No worries! Here’s a quick walkthrough showing how to add an additional insured to your policy, whether you’re a current or new Full Frame Insurance customer.

Current Customers

  1. Log in to your dashboard.
  2. Click on the “Add additional insureds” button under the “Manage Policies” section.
  3. If you’re adding more than one additional insured, click on “Add unlimited additional insureds.”
  4. Select the type of additional insured you’re adding. Then, add their contact information.
  5. Once you’ve finished adding your additional insureds, you can make a payment. For annual policies, one additional insured is $15 and unlimited additional insureds are $30. For event policies, adding one or unlimited additional insureds costs $5.

First-Time Customers

  1. When completing your Full Frame Insurance application, you’ll be asked if you want to add additional insureds to your policy.
  2. Add the additional insured information.
  3. For an annual policy, choose your payment of $15 for one or $30 for unlimited. For event policies, pay $5 for one or unlimited additional insureds. This cost will appear on your final checkout screen.

Missed this step while applying? No problem — you can add additional insureds from your dashboard at any time by following the instructions in the video above.

FAQs

Additional insureds are events, organizations, landlords, or venues that may request you to add them to your policy. Note: Additional insureds are not yourself, employees, friends, spouses, or other personal businesses.

 

Organizations, venues, events, or landlords can request you to add them as an additional insured as a requirement to work with them. You only have to add them if requested. If something goes wrong during your photo shoot or videographer session, your additional insured is covered.

It costs $15 to add one additional insured or $30 for an unlimited amount for your annual Full Frame Insurance policy. It only costs $5 for one or unlimited additional insureds on your event policy.

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Data Breach (Cyber Liability)
(Optional With Annual Plans Only)

Cyber liability insurance protects your business from the costs you face because of a cybersecurity breach. Cybercrime is a common threat to 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 in your policy.

Failure to Deliver (Professional Liability)
(Optional With Annual Plans Only)

Failure to deliver coverage — also known as professional liability or errors and omissions — protects your business from the cost of negligence claims. These can arise from professional mistakes, like giving bad instructions, memory card or equipment failures ruining your shoot, or a last-minute illness that means you can’t fulfill your contract.

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 is designed to protect your business from the cost of third-party bodily injury and property damage claims (like if a client trips over your gear at a shoot and injures themselves). It also protects against the cost of copyright infringement claims and personal and advertising injury claims.

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 (Inland Marine)
(Optional With Annual Plans Only)

Also known as inland marine insurance, camera equipment coverage protects your business from the cost of repairing or replacing damaged or stolen business equipment. This includes camera bodies, lenses, lighting equipment, and business equipment. We offer multiple levels of equipment coverage based on your business needs.