Photography Insurance
The most affordable insurance for photographers. Get instant coverage in less than 10 minutes.
- Option to add up to $75,000 in camera equipment insurance
- $2 million general liability coverage
- Flexible 1–3 day event policies or customizable year-round protection
Safeguard Your Passion: Don't let gear malfunctions or accidents hinder your journey - Protect your gear and your finances today
Who Needs Photography Insurance?
All professional photographers need photography insurance! Working in a variety of settings with a range of clients increases your risks. A single claim can quickly turn into expensive property damage, client injury, and other types of claims.
Photographer liability insurance is tailored to protect nearly every type of professional photographer, including:
Don’t see your specialty? Full Frame Insurance (FFI) can protect nearly every type of professional photographer. Simply request a free quote or contact our team to confirm.
Annual Plus
Includes gear protection. Protects professional photographers for a full year.
$23.28 / month
- Cameras, Lenses, Gimbals Protected
- $1,000 per item / $5,000 aggregate
- Professional and Cyber Liability (Optional Coverage)
- $30 for Unlimited Additional Insureds
Camera Equipment Insurance Details
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$2,000 per item/ $20,000 aggregate + $75
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$5,000 per item/$30,000 aggregate (MOST POPULAR) + $87
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$10,000 per item/ $60,000 aggregate + $220
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$15,000 per item/ $75,000 aggregate + $294
* $250 Deductible
Annual Photography Insurance
Comprehensive coverage without equipment insurance
$12 / month
- Great for the full-time professional
- Additional Policy Options For Added Coverage
- $30 for Unlimited Additional Insureds
Annual Photography Insurance Limits
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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
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$0 - $100,000 in Annual Sales $129
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$101,000 - $200,000 in Annual Sales $209
Event Insurance
Basic one-day photography insurance or up to 3 days of coverage
$59 / 3 days
- $2M in General Liability Coverage
- Unlimited Additional Insureds
Event Photography Insurance Limits
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit Excluded
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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 (for consecutive days)
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1-3 Days $59
Photography Insurance Coverage Details
General Liability Insurance for Photographers
2M Annual Limit
General liability insurance covers third-party bodily injury and property damage claims. If your client were to trip at a photoshoot, injure themselves, and sue you, general liability can pick up the cost — saving you money.
All FFI Annual and Event general liability policies also include personal and advertising injury, no-fault medical expenses, and damage to rented premises coverages. Visit our FFI insurance simplified page to learn more.
Products-Completed Operations
$200,000 Annual Limit (Included)
A big part of your photography business is delivering a final product that really wows your clients. As much as you try, not every client will come away smiling as brightly as they did when you shot the photos. This coverage protects you if an unhappy client makes a claim against you after the final photos are sent their way.
Included in Annual Plus and Annual policies. Not available for Event policies.
Professional Liability Insurance for Photographers
$200,000 Annual Coverage (Optional)
Also known as “failure to deliver” or errors and omissions (E&O), professional liability coverage protects you from mistakes you make as well as things out of your control. This allows you to maintain your professional reputation as a photographer even in an unfortunate situation.
For example, it can cover negligence claims that arise from issues like malfunctioning equipment, faulty memory cards, or if you get sick and have to cancel at the last minute. It even extends to your professional advice, so if you teach photography classes as part of your business, we strongly recommend this additional coverage option.
Available on Annual Plus and Annual policies. Not available for Event policies.
Camera Equipment Insurance
Up to $75,000 Annual Coverage (Optional)
Also known as inland marine insurance, camera equipment insurance can cover 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 the job, and anywhere in between.
Full Frame offers multiple coverage options for equipment insurance based on your business needs. Not available on Event policies.
Cyber Liability
$100,000 Annual Coverage (Optional)
Cyber liability insurance can protect you from losses related to cyber attacks, like data breaches, malware, or ransom payments. This coverage can also cover legal fees and things like credit monitoring services for your customers who were affected by the attack.
What Is Photography Insurance?
Photography insurance is liability coverage tailored to the specific risks of your industry. It includes general liability and the option to customize your protection with professional liability, camera and gear insurance, and more.
It can protect you from claims related to your business operations that would otherwise cost you thousands of dollars in out-of-pocket expenses. It’s also designed to meet the contractual requirements of venues, landlords, and more to ensure that you can keep shooting even when accidents happen.
Save yourself time, stress, and money by protecting your business today.
Why Do I Need Photography Insurance?
Whether you run a professional photography business or are just starting out as a freelance photographer, you face liability risks every day. If something goes wrong, you could be held financially responsible for hefty expenses for medical bills, repair costs, and legal fees. Photography business insurance is designed to help photographers like you weather the unknowns of each photoshoot.
Common photography insurance claims include:
Trip and Fall Injury
From your equipment to venue furnishings or the great outdoors, with any photoshoot comes the chance of someone tripping, falling, and getting injured. Imagine dealing with a bodily injury claim that leads to medical costs in the tens of thousands. General liability insurance from Full Frame Insurance is designed to cover expenses like these.
Property Damage
Say you’re working at a rented studio or shooting a wedding. You back up to get a better angle and accidentally bump into a lighting prop that falls, shatters an expensive mirror, and leaves damage to the wall and the floor. Full Frame Insurance can cover the cost of replacing the mirror and fixing the damages.
Personal and Advertising Injury
Personal and advertising injury refers to non-physical “injuries” to third parties. This could be things like advertising mistakes that produce a false advertising claim, or inadvertently using your client’s photos or stock imagery without the proper consent and licensing. Full Frame’s general liability can help protect against the cost of these types of claims.
Stolen or Damaged Equipment
Your equipment is everything to your business. Without you, you probably can’t even work. Make sure you add camera equipment insurance coverage to your photographer liability insurance or opt for our Annual Plus plan, which includes it. Otherwise, damaged equipment could eat into your profits and delay future business opportunities.
If you rent studio space or shoot at corporate or private venues, you may be required to show proof that you carry liability insurance. Plus, many studios, venues, landlords, event organizers, (and so on) will require you to list them as an additional insured on your policy before hiring you or allowing you to work on their property.
We Know Insurance Can Be Overwhelming
Looking to access your user account, add any additional coverages, or access your policy certificates and documents? Log in here.
Candid Shots With Full Frame Photographers
Here’s what other shutterbugs have to say about their experience.
Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!
The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
Questions About Photography Insurance
Why Do I Need Photography Insurance?
- To be protected from paying out of pocket for expensive claims or lawsuits if someone gets hurt, something gets broken, or you’re accused of doing something wrong
- To comply with venue, studio, and event regulations that require you to be insured before working on their property
Does Photography Insurance Cover My Camera?
Photography insurance refers to general liability coverage, which does not include covering your camera or other business gear. FFI bundles camera coverage into its Annual Plus plan, which extends protection to cover your camera.
What Kinds of Claims Does Photography Insurance Cover?
Photography insurance can cover:
- Third-party bodily injury and property damage claims, like a model getting hurt during a shoot or a rented studio’s mirror getting broken
- Third-party claims related to real or perceived negligence, like using a bad memory card, losing a client’s photos, or failing to provide the finished product on time (with optional professional liability coverage)
- First-party (you) or third-party (clients) claims related to cybersecurity breaches (with optional cyber liability coverage)
- First-party claims related to damage or theft of your essential gear (with optional camera equipment coverage)
How Much Does Photography Insurance Cost?
Photography insurance costs as low as $59 per event or $129 per year with Full Frame’s Annual policy.
How Do I Add an Additional Insured?
Add qualified additional insureds in a flash by logging in to your user dashboard and clicking “Add an Additional Insured” — follow our step-by-step guide.
How Do I Get My Certificate of Insurance?
To get your Certificate of Insurance (COI) via instant download or via email:
- Log in to your Full Frame online user account
- Navigate to “Policy Documents”
- Select Certificate of Insurance
- Click “Download”
How Do I File a Claim?
Log in to your online user account, go to the “Manage Policies” section, then click “File a Claim.” Or call customer service to initiate a claim!
Make sure you have all the information we need and learn what to expect during the claims process with our claims navigation guide and checklist.
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