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 Photographer Insurance

Camera Equipment Insurance (optional) & General Liability 

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

 
 

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
 
 

What is Photography Insurance?

Whether you’ve been in the photography business for years or are just starting as a freelancer, as a professional photographer, your business faces a unique set of risks. Common risks include trip and fall accidents, property damage claims, damaged photography gear, theft, data loss and more.

Without insurance, these risks could cost your business upwards tens of thousands of dollars. Full Frame’s photographer insurance plan is designed specifically to cover these common risks. For as low as $129 a year, you can create a financial safety net for your business that can reduce or completely remove the financial burden that risk can create.

 

Gear and Camera Equipment Insurance

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.

 

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 Damage
  • Personal Injury

 

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

 

Additional Insureds

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.

 

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.

 
 

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

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
Get Covered Today
 

Why Photographers Need Insurance

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