Photographer Insurance

Protect your 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
  • Purchase online in ten minutes or less.
Buy Event Policy from $59 Buy Annual Policy from $129
 
Photographer setting focus

Event

Basic coverage over a 3-day period

$59/ 3 days

  • $2M in General Liability Coverage
  • Unlimited Additional Insureds
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Event Coverage 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 (for consecutive days)

1-3 Days

$59

Unlimited additional insureds may be purchased for $5 under the event policy.

Please note that Products and Operations has been specifically excluded from our Event Insurance. If you need products coverage, or you are looking for a more comprehensive options, please consider purchasing our Annual Policy.

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Annual

Comprehensive coverage without equipment insurance

$129/ year

  • $2M in General Liability Coverage
  • Additional Policy Options For Added Coverage
  • $30 for Unlimited Additional Insureds
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Annual Policy Limits of Liability

General Aggregate Limit (Other than Products – Completed Operations

$2,000,000

Products - Completed Operations Aggregate Limit

Included

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

An individual can purchase one additional insured for $15, and $30 for an unlimited number of additional insured's under the annual policy.

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Annual Plus (Recommended)

The ultimate in Full Frame coverage

$184/ year

  • $2M in General Liability Coverage
  • Multiple Camera Equipment Insurance Options
  • Additional Policy Options For Added Coverage
  • $30 for Unlimited Additional Insureds
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Camera Equipment Coverage Details

$1,000 per item/ $5,000 aggregate

$55

$2,000 per item/ $20,000 aggregate

$130

$5,000 per item/$30,000 aggregate

$142

$10,000 per item/ $60,000 aggregate

$275

$15,000 per item/ $75,000 aggregate

$349

To add equipment insurance to your annual policy and choose the proper amount of coverage you need, review the limits and prices above.

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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.

holding camera

Camera Equipment Coverage

$1,000 Occurrence / $5,000 Aggregate

 

Also known as inland marine insurance, camera equipment insurance 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.

 

Buy from $184/year
holding camera

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.

holding camera

Professional Liability

$100,000 Occurrence / $200,000 Aggregate

 

Professional liability insurance can protect your photography 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 photography classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

 

holding camera

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.

holding camera

We know insurance can be overwhelming.

Contact a Full Frame Insurance specialist for assistance today!

Frequently Asked Questions

Photography Insurance is a liability insurance plan designed by Full Frame to protect photographers from the risks associated with the photography industry. These risks include trip and fall accidents resulting in the injury of a client, property damage, loss of photography equipment, and more. Without liability insurance, these events could lead to thousands of dollars of financial loss.

 

Both of Full Frame’s event and annual photography insurance policies include general liability, which can protect photographers from many of the day-to-day risks they might face. Additional coverage options are available with Full Frame’s annual policy, including professional liability, camera gear insurance, cyber liability insurance and more.

 

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Photography insurance helps protect photographers from financially damaging liability claims. Common liability claims that photographers face include bodily injury claims, which can occur when an individual is injured either during or as a result of your business operation, and property damage claims, which can arise when someone’s property is damaged as a result of your business operation.

 

Depending on the business, photographers often face additional claims, like negligence claims that can be covered by a professional liability policy, cyber liability claims that can be covered by a cyber liability policy, and business personal property claims that can arise when your gear is damaged or stolen. Full Frame’s annual photography insurance policy can include these additional coverage options according to your business needs.

 

Get Covered Today

Whether you run a professional photography business or are simply starting out as a freelance photographer, you face several liability risks every day as you perform your business operations at new locations and with a diverse array of clients. Should something go wrong, you could be held liable for a variety of hefty expenses, including medical bills, repair costs, and legal fees.

 

Photographer insurance is designed to help photographers like you weather the unknowns of each photo shoot. In addition, if you rent studio space or any other location, or plan to participate in events like trade shows to market your business, you may be required to carry liability insurance—and list the owners as an additional insured—before you are allowed to work on their property.

 

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Yes, Full Frame offers a variety of camera equipment insurance options that can be included into your annual Photographer Insurance policy.

 

Depending on the price of your gear and your specific coverage needs, you can insure your photography equipment for as low as $55 dollars a year for up to $1,000 in coverage per item or choose to increase your coverage to up to $349 a year for $15K in coverage per item.

 

Camera Equipment Insurance Options

  • $1,000 per item / $5,000 aggregate $55
  • $2,000 per item / $20,000 aggregate $130
  • $5,000 per item / $30,000 aggregate $142
  • $10,000 per item / $60,000 aggregate $275
  • $15,000 per item / $75,000 aggregate $349

 

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Full Frame's Annual Policy

For as low as $129 per year, photographer insurance protects your business for an entire year with up to $2 million in coverage for general liability. You may include additional coverage for your business at extra cost. Additional coverage options include professional liability insurance, camera equipment insurance, cyber liability insurance, and more. If your business requires additional insureds, you may include them at any time for $15 per additional insured or $30 a year for unlimited additional insureds.

 

Full Frame's Event Policy

Our event policy, which lasts 1–3 days, starts at just $59 for up to $2 million in general liability coverage plus an additional $5 for every additional insured included on the policy.

 

Get Covered Today

Whether you’re a seasoned photographer veteran with years of experience, or a newly started freelance photographer, if you perform your photography as a professional service you face risk and could be liable to pay hefty expenses in the event of an accident.

 

Full Frame’s Photographer Insurance plan provides professional photographers in a variety of industries with high quality coverage to protect themselves should an accident occur involving their photography business. Common professional photographer insurance that Full Frame provides include:

 

  • - Wedding Photographers
  • - Portrait Photographers
  • - Food Photographers
  • - Real Estate Photographers
  • - Event Photographers

 

Get Covered Today