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.
Camera Equipment Insurance (optional) & General Liability
*Not available in all states. Click here to see a list of states that are eligible for coverage.
For small photography or videography business owners, freelancers, or hobbyists who have multiple photography sessions throughout the year.
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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
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.
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.
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.
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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For the hobby or freelance photographer or videographer who needs short-term event liability coverage for 1-3 days.
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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
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.
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.
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.
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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**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.
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 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:
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.
Wedding Photography 
Corporate Photography 
Pet Photography 
Portrait Photography 
Family Photography 
Real Estate Photography 
Fine Art Photography 
School Photography 
Food Photography 
Freelance Photography 
Special Events Photography 
Landscape Photography 
Sports Photography 
Travel Photography 
Wildlife Photography 
Commercial Photography 
Maternity & Newborn Photography 
Macro Photography 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 TodayPhotography 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 TodayWhether 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 TodayYes, 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
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 TodayWhether 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:
Watch this video and find out just some of the reasons you need photographer insurance!
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
Get affordable gear and camera equipment insurance with an annual photography insurance policy included.
