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Photographer Insurance

Photography insurance protects your gear and business. Get camera equipment insurance and general liability insurance in as few as 10 minutes with our online quote-to-buy application.

Gear and camera equipment insurance (optional) up to $15,000 per item and $75,000 for the policy duration. General liability for things like trips, falls, and damage to third-party property coverage up to $1,000,000 per claim and $2,000,000 for the policy term. Professional liability up to $100,000 per claim and $200,000 during the policy term for claims related to your professional skills.

Single Shoot Insurance

1-3 Day General Liability

Buy Online from $59

Annual Insurance

Camera Equipment Insurance (optional) & General Liability 

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

 
 

What is Photography Insurance?

Photography business insurance helps protect your business from third-party liability claims such as bodily injury or property damage arising out of your business operations. It may help cover the potential medical or legal fees associated with these covered claims.

Keep in mind that a lawsuit could result in a detrimental financial loss and could negatively affect your bottom line—the downtime and financial strain just aren’t worth it. No matter how careful you are, the possibility of an accident happening is ever-present and you need the proper coverage in place to protect your livelihood.

If you’re interested in purchasing insurance, you can choose from our event or annual policies. With Full Frame, you get coverage online in minutes and receive downloadable proof of insurance instantly.

 

See Photography Insurance in a New Light

Gear and Camera Equipment Insurance

General Liability Insurance

Additional Insureds

Affordable Coverage

Gear and camera equipment insurance can cover your cameras, lenses, lighting gear, 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 Gear and camera equipment insurance for an additional cost.

Location, onlookers, subjects,gear and camera equipment all present risks and exposures you could face during your day-to-day business activities.

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

Bodily Injury

Property Damage

Personal Injury

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

Many venue owners require you to 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 $129.

Plus, you have 24/7 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.

 
 

Annual Policy

For small photography or videography business owners, freelancers, or hobbyists who have multiple photography sessions throughout the year.

Annual Policy Limits of Liability

General Aggregate Limit (Other than Products – Completed Operations

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$ 2,000,000
Products - Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.

Included
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement
$ 1,000,000
Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$ 1,000,000
Damage to Premises Rented to You Limit (Any One Premises)

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$ 300,000
Medical Expense Limit (Any One Person)

A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.

$ 5,000

Pricing

$0 - $100,000 in Annual Sales
$ 99
$101,000 - $200,000 in Annual Sales
$ 185
 

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

Click to learn more or

 

Event Policy

For the hobby or freelance photographer or videographer who needs short-term event liability coverage for 1-3 days.

Event Coverage Limits of Liability

General Aggregate Limit (Other than Products – Completed Operations)

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$ 2,000,000
Products - Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.

Excluded
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement
$ 1,000,000
Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$ 1,000,000
Damage to Premises Rented to You Limit (Any One Premises)

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$ 300,000
Medical Expense Limit (Any One Person)

A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.

$ 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.

Click to learn more or

**Please note that these are brief definitions of coverage and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.

 
 

Equipment Insurance

To add equipment insurance to your annual policy, review the limits and prices below to choose the policy which will provide the coverage you need should your equipment become stolen or damaged.

Pricing

$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
 
 

Who We Insure

If you have a question about whether you qualify for photography business insurance, 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 Photography Insurance

Full Frame keeps insurance simple. You can purchase photography event insurance for only $59 and annual photography insurance starting at $129. You also have the option to add an additional insured, such as an event center administrator, for $15 or unlimited additional insureds for $30 on the annual policy. On an event policy, adding unlimited additional insureds is only $5.

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. We offer tiered pricing on our gear and camera equipment insurance starting at just $55, allowing everyone an option fit for them. 

Do I Need 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 photo shoot. Should something go wrong, you could be held liable for a variety of expenses, including medical bills, repair costs, and legal fees.

In addition, if you rent studio space or any other location, 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.

 

Why Photographers Need Insurance

Watch this video and find out just some of the reasons you need photographers insurance!

 

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:

AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY

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

EVENT POLICY

$59
  • 1–3 Days Policy Options
  • General Liability
    (Does not include product liability, property, or equipment insurance)
  • Personal and Advertising Injury
 
Not Ready to Purchase?
 

ANNUAL POLICY

$129
  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)
 
 
 
 
 

Gear and Camera equipment Insurance

Get affordable gear and camera equipment insurance with an annual photography insurance policy included.