Portrait Photographer
Insurance

Protect your portrait photography business. Purchase online in ten minutes or less.

Portrait Photography Policies

Protect your portrait photography business with our annual packages with up to $2 million general liability coverage, multiple options for camera equipment insurance, and additional policy options for customized coverage.

Designed for photographers who only need short-term coverage, our event policy provides the basic protection your business needs over a 3-day period. With our event policy, you’ll never have to worry about insurance when you don’t absolutely need it.

Event

Basic coverage over a 3 day period

$59/ 3 days

Annual

Perfect for 3 or more shoots per year. Optional gear and professional services coverage.

$129/ year

Annual Plus

The ultimate in Full Frame coverage

$184/ year

Do Portrait Photographers Need Liability Insurance?

The portrait photography industry is not what it used to be. Now more than ever, clients look for unique backdrops to showcase their personalities or interests. While this is a great business opportunity, it can also be risky. Bodily injury and property damage accidents at photoshoots are becoming more common, costing uninsured photographers thousands of dollars or more. Full Frame provides portrait photographers with high-quality, low-cost liability insurance to protect them from the cost of claims.

Family Photography Insurance

Fun family dynamics and interesting locations make family photo shoots an enjoyable and rewarding experience. And while it’s okay to have fun with your clients, it’s also important to be wary of the risks. If an accident occurs during a shoot that results in family members getting hurt or property getting damaged, you could be found liable to pay for it. Portrait photographer insurance can safeguard your business from the cost of liability claims and protect your business should legal action be taken against you.

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Maternity Photographer Insurance

Maternity and newborn photographers capture the tender moments between mother and child and help families celebrate the miracle of childbirth. While the intimate nature of these moments is truly heartwarming, it also puts your photography business at risk should an accident occur during a photoshoot. Luckily, Full Frame’s portrait photographer insurance has the coverage you need with up to $2 million in coverage for general liability and a multitude of camera equipment insurance options.

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Pet Photographer Insurance

Pets come in different shapes, sizes, and temperaments. As a pet photographer, you need patience and skill to take a good pet portrait. Accidents can still happen, though. If a pet is injured during a photoshoot, you could be found liable to pay thousands of dollars or more in claims. Full Frame’s portrait photographer insurance can protect your pet photography business from the cost of these claims with customizable, comprehensive coverage options perfectly fitted to your business needs.

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School Photographer Insurance

Every school year, students across the country prepare themselves to smile big for the camera. Picture day season can be busy, and you may find yourself traveling to schools all over the district or even the state. Whether you’re taking individual student shots, class photos, or even sports team photos, Full Frame’s portrait photographer insurance has the coverage you need to protect your business from the cost of claims, including general liability, camera equipment coverage and more.

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Frequently Asked Questions About Portrait Photographer Insurance

Portrait photographers insurance provides photographers with several different coverage options designed to protect them from the cost of claims. Coverages can include general liability insurance, professional liability insurance, and camera equipment insurance. 

This applies to family photographer insurance, maternity photographer insurance, pet photographer insurance, or school photographer insurance. If you are any type of portrait photographer then you will need insurance to protect your business. 



Full Frame provides photographers with three different insurance plans: Annual Plus, Annual, and Event. 

Our Annual Plus portrait photographers insurance is our most recommended policy. It starts out at $184 per year and includes camera equipment coverage, damage to rented premises coverage, and general liability insurance. The Annual Plus policy has the option of adding unlimited additional insureds, professional liability insurance, and cyber liability insurance. 

Our Annual portrait photographer insurance starts at $129 per year and includes damage to premises rented coverage and general liability insurance. You have the option of adding camera equipment insurance, unlimited additional insureds, professional liability insurance, and cyber liability insurance. 

Our Event portrait photographer insurance provides insurance coverage for up to three days starting at $59. With this policy, you receive unlimited additional insureds and general liability insurance. This policy is ideal if you are just getting into professional photography and want to test the waters.

Portrait photographers need a variety of insurance coverages to be protected. You might be worried about your equipment. Choose from several different options of camera equipment coverage. Add professional liability insurance to your policy and protect your business from the cost of equipment failure or a late gallery delivery. 

You can protect your wallet when a claim happens through general liability insurance and damage to premises rented coverage. A common claim of a portrait photographer can include using a faulty memory card that doesn’t save any of your client’s photos. In this case, your insurance can pay any fees that result from that claim. 

Yes. An event policy allows you to get portrait photography insurance for short-term coverage, generally for a few days. Full Frame’s event policy provides portrait photography insurance for up to three days of coverage.  Your event policies start at $59 and include general liability insurance and unlimited additional insureds for $5 per additional insured. 

5/5
“Super easy to navigate – everything is very clear and easy to understand. I had a question, called, they picked up and answered my question right away. Feeling a lot better now that my gear is insured!”

- Matnetik

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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.

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.

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.

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.

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.

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.