Portrait Photographer
Insurance

Q: How Much Does Insurance Cost for Portrait Photographers?

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.

Q: Can I Get Portrait Photography Insurance for One Day?

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

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.

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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.

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.”

Family Portraits

Maternity Photography

Pet Photography

School Portraits

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

What Is 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.

How Much Does Insurance Cost for Portrait Photographers?

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.

What Type of Insurance Do Portrait Photographers Need?

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

Can I Get Portrait Photography Insurance for One Day?

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.

"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.

"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!

"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!

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"Easier way to get insurance for your event."

Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️

"Ordering was super simple"

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