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Photographer Insurance

You're a photographer, and you have a unique and creative style. Your photography business insurance should match that style. Enter Full Frame Insurance. Our insurance policies are framed for you. If you work in a photography studio—insured. If you're a freelance photographer—insured. If your photography takes you to weddings or special events—insured. Protect your photography business with an event or annual insurance policy styled for photographers.

Event Insurance

1 - 3 Day General Liability

Buy Online from $59

Annual Insurance

General Liability & Optional Equip Coverage

*Not available in all states. Click here to see a list of states that are are eligible for coverage.


See Insurance in a New Light

General Liability Insurance

Camera Equipment Insurance

Additional Insureds

Affordable Coverage

Location, onlookers, subjects, and equipment all present risks and exposures you could face during your daily business activities.

Full Frame Insurance responds to many of the types of liability claims a photographer may face, such as:

Bodily Injury

Property Damage


Let us worry about the details of your photography insurance so you can focus on developing your photography business.

Camera equipment insurance can cover your camera, lenses, lighting equipment, and more.

Whether your next session is across town or on the other side of the world, you can rest assured that your gear is protected. Your policy is designed to respond to camera equipment insurance claims on and off premises and during transportation.

When you purchase an annual policy, you have the option of adding equipment insurance, for an additional cost.

Many venue owners require you have photographer insurance and ask to be added as an additional insured.

An additional insured is a person or organization (not an employee or a friend) that can be added to your insurance policy by endorsement. Your policy may protect that additional insured from claims arising out of your negligence.

Event policyholders can add unlimited additional insureds for $5 and annual policyholders can add one additional insured for $15 and unlimited insureds for $30. You can learn more about it here.

You can get affordable photography insurance coverage in a matter of minutes by filling out our online application.

We pride ourselves in our ability to offer event insurance starting at $59 and annual insurance starting at $99.

Plus, you have complete access to your policy documents online and can easily print out proof of coverage anytime you need it.

To learn more about our options, please click here.


Photographers Insurance Comparison Chart

Not sure which photographers insurance policy to purchase for your business? This comparison chart will help you decide which option will work best for you.

  Annual Policy Event Policy
24/7 Access to Policy Documents Check Check
$2M General Liability Aggregate Check Check
$5K Medical Expenses Check Check
No Deductible on Liability Claims Check Check
Coverage for Damages to Premises Rented To You Check Check
Not Premises Specific Check Check
$1M Personal and Advertising Injury Coverage Check Check
Camera Equipment Insurance Coverage can be purchased for an additional premium  
Additional Insureds One additional insured can be added for $15 and $30 for unlimited Unlimited additional insureds may be purchased for $5
1-3 Day Coverage   Check
12-Month Coverage Check  
Buy Now Annual Event

Photographers and Videographers We Insure

If you have a question about whether your photography business qualifies, see our exclusions, call us, or use our contact form to send us a message and a Full Frame licensed agent will get back to you within 24 business hours.

Frequently Asked Questions

What is Photography Insurance

Photography insurance helps protect you and your photography business from financially damaging liability claims. These types of claims can include bodily injury, property damage, and more. Purchasing photography insurance may help you cover the costs of potential medical and legal fees associated with covered claims.

Cost for Photographers Insurance

Full Frame keeps insurance simple. You can purchase photography event insurance for only $59 and annual photography insurance starting at $99. You can also add an additional insured, such as an event center administrator, for $15 or unlimited additional insureds for $30 on the annual policy. Adding an additional insured on the event policy is $5 for unlimited additional insureds.

This provides you peace of mind and the ability to work at any venue your client may request.

Photography equipment insurance is an available add-on option for our annual policyholders. Our equipment insurance is scalable and based upon the amount of coverage you need to protect your photography gear. Our equipment coverage starts at $55.

Do I Need Photographer Insurance

Yes. As a professional photographer, you face several liability risks as you shoot at new locations with a diverse array of clients. Photography insurance helps you weather the unknowns of each photoshoot. Should something go wrong, you could be held liable for a variety of expenses, including medical bills, repairs, and legal fees.

In addition, if you rent a studio or any other location, the owners may require you to have liability insurance—and to list them as an additional insured—before they allow you to work on their property.


Why Photographers Insurance?

This quick video provides some examples of why photography insurance is an important small business asset.


Benefits Snapshots

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Proof of Coverage (printable)
  • Robust, Quality Coverage Scaled to Your Business
  • Convenient Online Purchasing
  • Instant Coverage
  • No Deductible on Liability Claims
  • Not Location Specific
  • Peace of Mind

Now available in:


If you do not see your state listed, please check back. We are adding new states regularly and will soon cover all 50 states


  • 1–3 Days Policy Options
  • General Liability
    (Does not include product liability, property, or equipment insurance)
  • Personal and Advertising Injury
Not Ready to Purchase?


  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)