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Portrait Photographer
Insurance

Secure your portraits. Protect your future. Get coverage made for creatives in 10 minutes.

Starting at

$12 / month

$129/year or $59/event

Don’t let one accident end your season. Get covered and work with confidence.
4.2/5 Stars
4.2/5

Portrait Photography Policies

Whether you shoot full-time or book sessions seasonally, we have coverage that works for you. Choose an annual policy with up to $2 million in general liability protection — plus flexible options for camera gear insurance, professional liability, and more.

Only need short-term coverage? Our 3-day event policy gives you just the protection you need, when you need it; no long-term commitment required.

MOST POPULAR
Annual +
365 Days of Coverage
4.2/5 Stars
4.2/5
$23.83 / month

or $271/year

Event Policy
1-3 Days of Coverage
For photographers and videographers who need basic liability coverage over a 1-3 day period. Add unlimited additional insureds for any event.
$59 / 3 days
MOST POPULAR
Annual +
365 Days of Coverage
4.2/5 Stars
4.2/5
$23.83 / month

or $271 / year

Annual Policy
365 Days of Coverage
For photographers and videographers who need long-term liability coverage and protection, but don’t need camera equipment insurance. Additional coverage options available.
$12 / month

or $129 / year

Do Portrait Photographers Need Liability Insurance?

Yes — you do. Photographer liability insurance helps protect you from paying out of pocket if someone gets hurt or something is damaged at a shoot. Whether it’s a client tripping over your lighting stand or a scratched floor in a rented space, even one accident could leave you with a costly claim.

Portrait photography insurance can protect you from having to pay out of pocket for unexpected mishaps like these. Focus on creating beautiful portraits instead of worrying about “what ifs.”

Insurance for Family Portrait Photographers

Family photo shoots are often full of laughter, playful moments, and meaningful memories, but even lighthearted sessions come with real risks. A child could trip over your gear, your light stand could scratch the floor of a client’s home, and you could be held financially responsible. One small accident could mean a big liability claim.

Portrait photography insurance helps protect you from the unexpected, so you can focus on capturing the perfect shot instead of worrying about legal or repair costs.

Maternity Photographer Insurance

Maternity and newborn portraiture sessions are undeniably intimate, emotional, and unforgettable. But working with expectant mothers and newborns comes with extra responsibility.

If your client is injured or you accidentally damage someone’s home, property, or a rented studio during a shoot, you could be stuck with the bill. Even small accidents can lead to big claims.

Full Frame’s maternity photographer insurance helps protect you from all-too-common mishaps with up to $2 million in general liability coverage and flexible options to cover your gear.

Insurance for Pet Portrait Photographers

Capturing great pet portraits takes skill, patience, and quick reflexes. And whether you’re working in a studio or on location, animals can be unpredictable.

A pet getting injured, damaging a venue, or knocking over your gear during a session could lead to costly claims. When tails wag and chaos follows, you could be left holding the (camera) bag. Full Frame’s pet portrait photography insurance can protect your business from unexpected accidents, with flexible coverage designed to fit the way you work.

Coverage for School Photographers

School portrait season moves fast, and so does a shoot where you might capture school portraits for hundreds of kids on a given day. Whether you’re photographing students, sports teams, or full classes, you’re constantly setting up in new environments like busy hallways, gyms, and classrooms — all of which means more risk for you.

With all that gear and foot traffic, accidents can happen. If someone trips over your setup or your equipment gets damaged on-site, you could be left with a stack of expensive bills instead of student smiles.

Don’t let a picture day slip-up become a financial setback. Full Frame’s portrait photography insurance can protect your business with general liability, camera coverage, and optional add-ons like professional liability and data breach insurance.

Here’s a breakdown of our coverage

General Liability

General liability insurance helps protect your business if someone gets hurt or something is damaged during a shoot. For example, if a client gets injured during a shoot, it can help pay for medical bills and legal costs. It can also cover claims of copyright infringement, false advertising, or someone saying you damaged their reputation in your marketing.

Camera Equipment Insurance
(Annual Only)

Camera equipment insurance (aka inland marine) can cover repair or replacement costs if your gear is stolen or accidentally damaged. That includes camera bodies, lenses, lighting, and more. It covers you whether you’re shooting on location, in your home studio, or on the road. Full Frame offers flexible options so you can choose the right coverage for your gear.

Professional Liability
(Annual Only)

Also called “failure to deliver” or errors & omissions (E&O), this coverage helps protect you if a client claims you made a mistake or didn’t deliver what you promised. It can cover situations like faulty memory cards, missing key shots, or leaving out important details during a demo or class. If teaching or live demos are part of your business, it’s an especially smart add-on.

Cyber Liability
(Annual Only)

Cyber liability insurance protects your business from costs that arise from a data breach within your business. If you collect or store business info online on a computer, tablet, or mobile device, we highly suggest adding it to your policy.

Frequently Asked Questions About Portrait Photographer Insurance

Portrait photographer insurance is coverage that can protect you from unexpected costs you might face due to client injuries, property damage, or damaged gear.

It includes options for general liability, professional liability (also called “failure to deliver”), and camera equipment coverage. Whether you photograph families, pets, students, or do newborn or maternity photography sessions, insurance can help you avoid paying out of pocket if something goes wrong.

The cost of portrait photographer insurance starts at $12 per month or $59 per 1-3 day event for general liability coverage (protects against accidents like client injuries or property damage). Our Annual Plus plan bundles camera equipment alongside general liability coverage at a cost of $23.83 per month, to also protect your gear against theft and damage.

Portrait photographers need insurance to cover both accidents and professional mistakes.

  • General liability can protect you when someone gets hurt or property is damaged during a shoot.
  • Camera equipment insurance helps repair or replace gear that’s stolen or accidentally damaged.
  • Professional liability can cover you if you miss a deadline, lose photos, or deliver an incomplete gallery.
  • Damage to rented premises can pay for accidental damage to rented studios or venues.
  • Data breach insurance can cover a range of costs if malware, hacking, or some other type of cyberattack leaves you with legal fees, data restoration, or client notification costs.

These coverages work together to protect your career, reputation, and your wallet when the unexpected happens.

Craft My Coverage

Yes. Our event policy provides 3 days of general liability protection for $59. It’s perfect for one-off sessions and is designed to meet venue and event requirements. But keep in mind that if you do more than two shoots a year, going with an annual plan is cheaper and gives you more ways to protect yourself and your business.

Check My Options

You're in Good Company with Full Frame

Here’s what other people have to say about their experience.

Rob L.
Rob L.
Rob Productions
"Really easy & just what I needed."

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.
Melissa Ballarin
Melissa Ballarin
Business Owner
"Great, fast insurance at a perfect price."

Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!
Hannah Mayo
Hannah Mayo
Business Owner
"The easiest and fastest insurance experience I’ve ever encountered"

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!
Alexandra Lane
Alexandra Lane
Business Owner
"Quick easy and more affordable than other options"

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.
Javier Lima
Javier Lima
Javier Events
"Easier way to get insurance for your event."

Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
JD Guy
JD Guy
PixrGuy
"Ordering was super simple"

Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.

Related Articles

Data Breach (Cyber Liability)
(Optional With Annual Plans Only)

Data breach insurance can cover the cost of claims that arise from a cybersecurity breach. If you collect or store client info or photos online, take payments over the internet, or send sensitive data over email, we highly recommend adding this coverage to your policy.

Failure to Deliver (Professional Liability)
(Optional With Annual Plans Only)

Failure to Deliver, aka professional liability or errors and omissions (E&O), can cover the cost of claims that arise from mistakes, like if your memory card fails and your client’s photos are lost, an unexpected illness prevents you from being able to shoot an event, or you inadvertently give poor or incomplete advice as part of a demo.

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 cover the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves, or you accidentally damage furnishings or flooring at a venue. 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 (Inland Marine)
(Optional With Annual Plans Only)

Also known as inland marine, camera equipment insurance can cover the cost of repairing or replacing damaged or stolen business equipment (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.