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Photographer Insurance

From capturing moments worth a thousand words to investing in the latest camera equipment, we know you take your photography seriously. Wherever your business takes you, you need photography business insurance from someone who sees and understands the bigger picture.

Our insurance policies were created for you and your changing lifestyle. No matter where you end up next, you can rest assured your business has the protection it needs. Protect your photography business with a photography event or annual insurance policy framed specifically for you.

Event Insurance

1-3 Day General Liability

Buy Online from $59

Annual Insurance

General Liability & Optional Equip Coverage

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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

Camera Equipment Insurance

General Liability Insurance

Additional Insureds

Affordable Coverage

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.

Location, onlookers, subjects, and 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 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.


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 camera gear 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:


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


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


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

Camera Equipment Insurance

Get affordable camera equipment insurance with an annual Full Frame policy included.