Photography
Insurance

Worried about protecting your gear ? Get your photography insurance in 10 min. 

Who Needs Photography Insurance?

All professional photographers need photography insurance and the benefits and protection it provides a business. You should have photography insurance if you’re any type of professional photographer, including:

Close up of camera

Annual Plus

Includes gear protection. Protects professional photographers for a full year.

$184/ year

Camera Equipment Insurance Details

Custom camera equipment insurance, so you never have to pay for more than you need.

  • $2,000 per item/ $20,000 aggregate + $75
  • $5,000 per item/$30,000 aggregate + $87
  • $10,000 per item/ $60,000 aggregate + $220
  • $15,000 per item/ $75,000 aggregate + $294

* $250 Deductible

Annual Photography Insurance

Comprehensive coverage without equipment insurance

$129/ year

Annual Photography Insurance Limits

  • 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.

Event Insurance

Basic one-day photography insurance or up to 3 days of coverage

$59/ 3 days

Event Photography Insurance Limits

  • 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.
Close up of camera lense

General Liability

$1M Occurence/ 2M Aggregate

General liability insurance can protect your photography business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

Camera Equipment Insurance

$1,000 Occurrence / $5,000 Aggregate

Also known as inland marine insurance, camera equipment insurance can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.

Girl preparing to take photo
Co workers editing images on their computer

Damage To Rented Premises

$300,000 Occurrence / $300,000 Aggregate

This coverage can protect your photography business from the cost of claims arising from damages done to rented spaces, like a photography studio or event booth. It’s common for property owners and event organizers to require photographers to list them as additional insureds on a policy before renting a space. Full Frame provides photographers with unlimited additional insureds for just $30.

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Professional Liability

$100,000 Occurrence / $200,000 Aggregate

Professional liability insurance can protect your photography business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach photography classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Close up of video camera

Cyber Liability

$100,000 Occurrence / $100,000 Aggregate

Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

General Liability Insurance For Photographers

$1M Occurence/ 2M Aggregate

General liability insurance is the best place to start when it comes to protecting your business. General liability insurance can protect your photography business from the cost of third-party bodily injury and property damage claims. Your general liability insurance saves you money by paying your claims for you. If a customer were to injure themselves on your business equipment and sues you, Full Frame can help out with the cost.


Common claims could include:

The amount of equipment many photographers have on shoots increases the chance of a client tripping on business equipment and getting injured. Imagine dealing with a bodily injury claim that leads to medical costs in the tens of thousands. General liability insurance from Full Frame Insurance could mitigate or even eliminate these expenses.
Say you’re working at a studio. While taking photos you back up to get a better angle and accidentally bump into a lighting prop that falls and shatters an expensive mirror. Full Frame Insurance could help with the cost of replacing the mirror, up to the limits of your policy.

Social media can be a great tool to get your work out there and share ideas. However, you also have to be careful that your photos aren’t being used without your consent. If they are, then that could be copyright infringement. Full Frame’s general liability can help protect against the cost of this type of claim.

Camera Equipment Insurance

$1,000 Occurrence / $5,000 Aggregate

Also known as inland marine insurance, camera equipment insurance can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on the job, and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.

A common camera equipment claim could be a photographer taking photos at a national park. While there, the photographer sets their expensive backup camera lens on the front seat of their car and then leaves the car to hurry and catch the sunset. When the photographer gets back to their car they discover that the car window is smashed and their camera lens is missing. Luckily they were parked near a security camera and the whole incident is recorded. With Full Frame Insurance, the photographer is able to file a claim and is reimbursed the money for a new camera lens.

Buy from $184/year

What Is Photography Insurance?

FFI provides commercial photographer insurance to photography business owners. Our policies include general liability, professional liability, and more. We offer insurance coverage to photographers who specialize in weddings, family portraits, fine arts photography, freelance work, school pictures, wildlife and landscape photography, and more. Check out our full list of photographers we insure here.

Photographer insurance is made for anyone who owns and operates a photography business. Claims are more common than you think and can cost you thousands of dollars in out-of-pocket expenses. Save yourself stress and money by protecting your business today.

Professional Liability Insurance for Photographers

$100,000 Occurrence / $200,000 Aggregate

Technology can be a fickle thing, and at Full Frame Insurance, we understand that some things are just out of your control. Professional liability can help when those unexpected technological failures happen. Our coverage can help protect your business from the cost of negligence claims that can arise from professional errors and omissions, such as faulty memory cards.

A common claim associated with professional liability insurance is when you prepare to upload the photos from the session at the end of a photoshoot, only to realize that you accidentally used a faulty memory card and all of the photos were lost. Full Frame’s professional liability insurance can help with the cost of this claim, allowing you to maintain your professionalism as a photographer even in an unfortunate situation. 

If you teach photography classes or run demonstrations as part of your business, we strongly recommend this additional coverage option for claims that may arise in educational settings as well.

Why Do I Need Photography Insurance?

Whether you run a professional photography business or are simply starting out as a freelance photographer, you face liability risks every day. Should something go wrong, you could be held liable for a variety of hefty expenses, including medical bills, repair costs, and legal fees. Our professional photographer insurance is designed to help photographers like you weather the unknowns of each photoshoot. 

If you rent studio space or any other location or plan to participate in events, you may be required to carry liability insurance. This is because many studios, locations, and trade shows need to be listed as an additional insured before you are allowed to work on their property.

Get Covered Today

We know insurance can be overwhelming

Contact a photography insurance specialist for assistance today!

Looking to access your user account, add any additional coverages, or access your policy certificates and documents? Log in here.

Questions About Photography Insurance

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

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.

How To File a Claim

  1. Log in to your Full Frame online user account
  2. Click “Manage Policies” 
  3. Select “File A Claim”
  4. Fill out the required information
  5. Submit your claim

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

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

Adding an additional insured is as easy as 1,2,3!

  1. Login to your user dashboard
  2. Click “Add and Additional Insured”
  3. Fill out the information and ta-da! All complete!

Full Frame offers photographers unlimited additional insureds for just $30.

Yes! If you are a new photographer just starting out or only book 2 to 3 photoshoots a year, then one-day photography insurance is perfect for you. Our one-day photography insurance provides photographers with up to three days of coverage and includes unlimited additional insureds for $5 per policy. It also includes up to $1M per occurrence and $2M aggregate in general liability coverage. This policy option starts out at $59. 

Simply log in to your user dashboard and navigate to your policy documents. You can find your certificate of insurance there. Getting your certificate of insurance is instantaneous and can be delivered to your email. 

How To Download Your Certificate Of Insurance

  1. Log in to your Full Frame online user account
  2. Navigate to “Policy Documents”
  3. Select which document you would like to download
  4. Click “Download”

 

Related Articles

Cyber Liability

Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

Professional Liability

Professional liability insurance can protect your business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Additional Insureds

When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

General Liability

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

Damage To Rented Premises

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, like a studio or event booth. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. Full Frame provides unlimited additional insureds for just $30.

Camera Equipment Coverage

Also known as inland marine insurance, camera equipment coverage can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.