Products and Completed Operations Coverage
Keep your business protected after the photoshoot ends with products and completed operations insurance from Full Frame Insurance (FFI).
Benefits of Products Completed Operations Coverage for Photographers and Videographers
The services you provide go well beyond the studio or photoshoot. But what happens if something goes wrong after you’ve handed off your clients’ photos? That’s where products completed operations insurance steps in.
Built into your general liability policy, this coverage is your financial safeguard if your final product accidentally causes injuries or property damage. Products – completed operations insurance:
- Pays up to $2 million for claims involving customer injuries or damage to their belongings after delivery
- Pays for legal fees if a customer sues you for defective or harmful products
- Comes with FFI’s Annual and Annual+ policies at no extra charge
- Protects your reputation if your products or services unexpectedly miss the mark
Unexpected Defects or Accidental Service Issues Can Harm Your Reputation
But FFI’s products – and completed operations coverage protects your profits and your rep! This coverage keeps you from paying for claims like these out of pocket:
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.
What Is Products - Completed Operations Coverage?
Products and completed operations insurance covers you if your finished work causes injuries or property damage. This pays for things like poor photo prints, damaged albums, corrupt thumbdrives, and even faulty picture-hanging hardware.
This coverage comes with your general liability coverage when you purchase FFI’s Annual or Annual+ policy. That means no extra charge to protect your work after it leaves your hands!
Is Products and Completed Operations Coverage Required for Photographers?
Products and completed operations coverage is not a legal requirement, but it is a business essential. If an accident happens, you could be on the hook for expensive claims like:
- Medical bills
- Hospital stays
- Court filings
- Attorneys
- Expert witnesses
- Settlements
- Property replacements or repairs
Who Needs Products and Completed Operations Coverage?
You need products – completed operations coverage if your photography or videography business:
- Sells products like prints, frames, DVDs, or USB drives to your clients
- Provides services such as photo and video shoots, retouching, and deliveries
FFI’s general liability insurance includes products – completed operations insurance for a wide range of photographers and videographers, including:
How Much Does Products - Completed Operations Coverage Cost?
There’s no additional cost for this coverage because it’s already included in the general liability policy of our Annual and Annual+ tiers. You can choose from:
- Annual: $12/month or $129/year
- Annual+: $23.83/month or $271/year
Coverage Details & Limits
Zoom in on our coverage details and pick the policy that meets your needs!
What's Included?
What You Can Add
Annual Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit $2,000,000
-
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
$2M Occurrence/$2M Aggregate
-
$0-$100,000 in Annual Sales +$6.42/month
-
$101,000-$200,000 in Annual Sales +$16.50/month
Equipment Insurance Pricing
-
$5,000 per item/$30,000 aggregate +$12
-
$10,000 per item/ $60,000 aggregate +$145
-
$15,000 per item/ $75,000 aggregate +$229
-
Deductible $250
What's Included?
What You Can Add
Annual Policy Limits of Liability
-
General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
-
Products - Completed Operations Aggregate Limit $2,000,000
-
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
What's Included?
What You Can Add
Event Policy Limits of Liability
-
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
-
1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
FAQs About Products and Completed Operations Coverage for Photographers and Videographers
Does Products - Completed Operations Coverage Apply if a Client Alters or Misuses My Photos or Videos?
No. Products – completed operations coverage does not apply if a client alters or misuses your photos or videos. Alterations or misuses are not accidental product defects that harm the clients or their belongings.
How Does Products - Completed Operations Coverage Differ From Professional Liability Insurance?
Products – completed operations insurance financially protects you from customer claims that your products or services unexpectedly caused them bodily injuries or damages to their property.
Failure to Deliver (Professional Liability) insurance covers you from on-the-job mistakes, such as faulty memory cards or last-minute photoshoot cancellations.
Is Products and Completed Operations Coverage Available for an Event Policy?
No, products and completed operations coverage is not available for event policies. However, it is available under our Annual (from $12 a month) and Annual+ (from $23.83 a month) tiers.
What Happens if a Claim Is Filed Months After the Final Product or Service Is Delivered?
As long as the claim happened during your policy year, you should be covered. If you need more info about what is and isn’t covered under your product and completed operations coverage, give us a call at 844.670.1078 to speak with one of our expert agents.
Chris Van Leeuwen, CIC | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.