Personal and Advertising Injury Insurance
Personal and Advertising Injury coverage from Full Frame Insurance (FFI) protects your finances and reputation from personal injury claims (like libel, slander, or invasion of privacy) as well as advertising injury claims (such as copyright infringement) that may arise from your work
Benefits of Personal and Advertising Injury Insurance for Photographers and Videographers
Accidents are more than slip-and-falls or scuffed floors. As a creative pro, you need protection for risks to your reputation, advertising efforts, and client relationships. That’s where personal and advertising injury coverage steps in.
This insurance is included in your general liability policy and helps safeguard your business from claims tied to things like libel, slander, trespassing, using a client’s image without their permission in your ads, false arrest, wrongful eviction, or invasion of privacy.
- Pays up to $1,000,000 in damages with FFI’s Event, Annual, and Annual+ policies
- Provides legal defense if someone accuses you of defamation or reputational harm
- Covers legal fees if you write a negative or misleading post on social media about another company, and they claim your post ruined their business
- Protection against other claims like false arrest, copyright infringement, and invasion of privacy
Why Get Personal and Advertising Injury Coverage? Costly Claims Can Wreck Your Business.
But they don’t have to because FFI’s personal and advertising injury protects you from paying out of pocket for expensive claims like these:
- You use a photo of one of your clients in an ad without their permission → client claims invasion of privacy
- You make a critical post about a wedding venue on social media → the owner sues you for defamation
- A competitor claims your online ad defamed their business → the CEO initiates a costly legal battle
- You tell potential clients that another videographer uses stolen work without evidence → the competitor sues you for slander
- You accidentally copy a logo from a competing videography business for your website → they sue for copyright infringement
Personal and Advertising Injury Coverage Explained
Personal and advertising injury insurance financially protects you if your business accidentally hurts someone’s feelings, reputation, or ideas — not their body or property. If you’re hit with defamation claims or lawsuits, this part of your FFI policy is built to cover legal fees, so you’re not paying them out of pocket.
Is Personal and Advertising Injury Insurance Required for Photographers?
Personal and advertising injury insurance is not a legal requirement, but it keeps your photography or videography business financially protected if you speak poorly about a venue or slander a competitor’s reputation.
Without this coverage, you’re stuck paying for these fees out of pocket:
- Attorneys
- Legal fees
- Settlements
- Court filings
- Expert witnesses
- Travel expenses
Who Needs Personal and Advertising Injury Insurance?
- Shares updates on social media
- Runs ads online or on other platforms
- Participates in Facebook groups or other online forums
How Much Does Personal and Advertising Injury Insurance Cost?
Personal and advertising injury insurance is included in all tiers of our general liability coverage at no extra charge. You can choose from:
- Annual: $12 a month or $129 yearly
- Annual+: $23.83 a month or $271 yearly
- Event: $59 per event for up to three consecutive days of coverage
Coverage Details & Limits
Take a closer look at our coverage details and pick the policy that meets your needs!
What's Included?
What You Can Add
Annual Policy Limits of Liability
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing
-
$0-$100,000 in Annual Sales $129
-
$101,000-$200,000 in Annual Sales $209
$2M Occurrence/$2M Aggregate
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$0-$100,000 in Annual Sales +$6.42/month
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$101,000-$200,000 in Annual Sales +$16.50/month
Equipment Insurance Pricing
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$5,000 per item/$30,000 aggregate +$12
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$10,000 per item/ $60,000 aggregate +$145
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$15,000 per item/ $75,000 aggregate +$229
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Deductible $250
What's Included?
What You Can Add
Annual Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit $2,000,000
-
Personal and Advertising Injury Limit $1,000,000
-
Each Occurrence Limit $1,000,000
-
Damage to Premises Rented to You Limit (Any One Premises) $300,000
-
Medical Expense Limit (Any One Person) $5,000
Pricing
-
$0-$100,000 in Annual Sales $129
-
$101,000-$200,000 in Annual Sales $209
What's Included?
What You Can Add
Event Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit Excluded
-
Personal and Advertising Injury Limit $1,000,000
-
Each Occurrence Limit $1,000,000
-
Damage to Premises Rented to You Limit (Any One Premises) $300,000
-
Medical Expense Limit (Any One Person) $5,000
Pricing
-
1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
FAQs About Personal and Advertising Injury Coverage for Photographers and Videographers
How Does Personal and Advertising Injury Coverage Differ From Bodily Injury Coverage?
Personal and advertising injury coverage protects against claims tied to reputational damage and stolen ideas from clients, venue owners, or competitors. Bodily injury coverage defends against any models, guests, or venue staff injured during, before, or after your business’s photo or video sessions.
FFI’s general liability coverage offers both bodily injury and personal and advertising injury coverages in all three tiers of coverage: Event, Annual, and Annual+.
Can Personal and Advertising Injury Claims Involve Social Media Posts?
Yes, personal and advertising injury claims can involve defamatory social media posts against competitors, venue and studio owners, and clients.
How Expensive Are Personal and Advertising Injury Lawsuits?
Depending on the severity, personal and advertising injury lawsuits can cost from $15,000 to $500,000 or more.
Chris Van Leeuwen, CIC | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.