Photographer Insurance

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.

Buy Event Policy from $59 Buy Annual Policy from $129
 
Flowers

Event

Great for 1-2 shoots per year

$59/ 3 days

  • 1 – 3 days consecutive coverage
  • Perfect for single events or photoshoots
  • Short-term coverage
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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

Perfect for 3 or more shoots per year. Optional gear and professional services coverage.

$129/ year

  • Great for the full-time professional
  • General Liability $1M/$2M
  • No deductible for General Liability
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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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Equipment Insurance

Annual general liability and gear coverages for your business.

$184/ year

  • Equipment coverage up to $75,000
  • Deductible $250
  • Professional and Cyber coverage available
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Camera Equipment 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

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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Camera Equipment Insurance

Camera equipment insurance can cover your cameras, 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 camera equipment insurance for an additional cost.

Buy from $184/ year
 

General Liability Insurance

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

 

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Additional Insureds

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.

 

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Affordable Coverage

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.

 

 

We know insurance can be overwhelming.

Contact a Full Frame Insurance specialist for assistance today!

Trusted by 1500+

No Quote Process

Instant Coverage

Easy Online Checkout

Printable Proof of Insurance

24/7 Policy Access

Deductible Free Liability Coverage

Location Neutral Protection

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.

 

Get Covered Today

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.

 

Get Covered Today

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

 

Get Covered Today

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

 

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Why Photographers Need Insurance

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