Photography Insurance
Comprehensive and affordable insurance for photographers. Get covered in 10 minutes or less.
- $2M general liability coverage
- Flexible short- and long-term policy options
- Add up to $75K in gear coverage
Safeguard Your Passion: Don't let an accident or lawsuit derail your business — protect your finances today.
Who Needs Photography Insurance?
Whether you shoot weddings, commercial work, real estate, portraits, or events, photography insurance protects your business from the costs of claims and lawsuits. Every new setting and client adds risk, and one property damage or injury claim can be financially devastating.
Photographer liability with Full Frame Insurance (FFI) is tailored to protect professional photographers running their own small business, including (but not limited to):
Don’t see your specialty? Simply start a free quote or contact us to see if you’re eligible.
What Is Photography Insurance?
Photography business insurance is liability insurance tailored to the specific risks professional photographers face. It’s designed to protect you from third-party claims related to your business operations that could otherwise cost you thousands of dollars in out-of-pocket expenses.
It includes general liability coverage for the most common types of claims, like trip-and-fall accidents and venue or client property damage. You can customize your coverage with professional liability, camera and gear insurance, and more. Plus, FFI’s base policy meets or exceeds most event, venue, and landlord insurance requirements.
Why Do I Need Photography Insurance?
Whether you run a professional photography business or you’re starting out as a freelancer, you face liability risks every day. If something goes wrong, you could be held financially responsible for unplanned expenses like medical bills, property repair costs, and legal fees.
If you rent studio space or shoot at corporate or private venues, you may be required to show proof that you have liability insurance. Plus, many studios, venues, landlords, event organizers, and other clients require you to list them as an additional insured on your policy before they’ll allow you to work on their property.
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 FFI could help 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 damages the wall and floor. FFI can cover the cost of replacing the mirror and repairing the flooring.
Personal and Advertising Injury
Personal and advertising injury refers to non-physical injuries to others. 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. Our general liability coverage can help protect against the cost of these types of claims.
Stolen or Damaged Equipment
Your equipment is the cornerstone of your business. With optional camera equipment coverage you get protection for your gear in case it’s damaged or stolen. Make sure you add camera equipment insurance to your policy, or opt for our Annual+ plan to protect your business-essential gear.
Drone Damage or Liability (optional)
Flying a drone on the job brings its own risks — from an accidental crash that damages someone’s property to damage or theft of the drone itself. FFI now offers optional drone liability and drone equipment coverage to protect both your business and your investment in the air.
How Much Does Photography Insurance Cost?
FFI’s business insurance for photographers costs as low as $12/month or $129/year for annual policies that include 365 days of coverage.
FFI single event policies cost as little as $59 per event, and include three consecutive days of coverage.
Annual Plus
Includes gear protection. Protects professional photographers for a full year.
$347/ year
- Cameras, Lenses, Gimbals Protected
- $2,000 per item / $20,000 aggregate
- Professional, Cyber Liability, Drone Liability and Drone Coverage Available (Optional)
- $30 for Unlimited Additional Insureds
Camera Equipment Insurance Details
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$5,000 per item/$30,000 aggregate [MOST POPULAR] $19.75/month
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$10,000 per item/ $60,000 aggregate $37.50/month
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$15,000 per item/ $75,000 aggregate $47.33/month
* $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 Photography 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
Unlimited additional insureds may be purchased for $5 under the event policy.
Let Us Take Care of That
Accidents happen — even to the most careful photographers. With FFI, you’re covered. Here’s how we’ve helped others like you:
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Photography Insurance Coverage Details
General Liability Insurance for Photographers
$2,000,000 Annual Limit
General liability insurance covers third-party bodily injury and property damage claims. If your client were to get injured during a photoshoot, general liability can help cover medical bills and legal fees.
All FFI Annual and Event general liability policies 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
$2,000,000 Annual Limit (Included)
If your final product causes injury or damages, products-completed operations insurance is your financial safeguard so you don’t have to pay out of pocket.
Note: 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 issues that may be out of your control.
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.
Note: Included in 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.
FFI offers multiple coverage options for equipment insurance based on your business needs.
Note: Not available for Event policies.
Drone Liability
$1,000,000 occurrence / $2,000,000 aggregate (Optional)
Drone liability insurance is a financial safety net in case of drone-related accidents that hurt someone else or damage their property. This coverage can also shield you from legal costs if someone claims your drone filming violated their privacy or harmed their business reputation.
Note: Not available for Event policies.
Drone Coverage
Up to $75,000 Annual Coverage (Optional)
Drones help you capture creative, cinematic shots like no other, but they’re also a serious investment for your business. This special type of equipment coverage protects that investment by helping with repair or replacement costs if your drones are damaged or stolen on the job.
Note: Not available for Event policies. You must also purchase Drone Liability Insurance before you qualify for Drone Equipment Coverage.
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 credit monitoring services for your customers who were affected by the attack.
Note: Not available for Event policies.
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.
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.
Common 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?
A base photography insurance policy includes general liability coverage, which does not apply to your camera or other business gear. You need to add Camera Equipment Coverage to your policy to cover your business gear.
You can add camera equipment insurance to your annual policy, or automatically bundle it with an Annual+ plan.
What Kinds of Claims Does Photography Insurance Cover?
Photography insurance covers:
- 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 claims related to damage or theft of your essential gear (with optional camera equipment coverage)
- Third-party claims related to cybersecurity breaches (with optional cyber liability coverage)
How Do I Add an Additional Insured?
How Do I Get My Certificate of Insurance?
To get your Certificate of Insurance (COI) via instant download or email:
- Log in to your online dashboard
- Navigate to Policy Documents
- Select Certificate of Insurance
- Click Download
How Do I File a Claim?
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