Real Estate Photographer Insurance

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

Starting at

^$12 / month

$129/year or $59/event

Safeguard Your Passion: Don't let gear malfunctions or theft hinder your photography journey — equipment coverage keeps you thriving

Do Real Estate Photographers Need Liability Insurance?

Real estate photographers face a unique set of risks. From property damage to third-party injury claims, accidents can and do happen… a lot. If your lighting equipment fell over and damaged hardwood, drywall, or glass, could you pay for those unexpected repair costs?

Liability claims can cost thousands of dollars. Without insurance, that money has to come out of your pocket. But with real estate photographer insurance, you won’t have to face those costly claims alone.

Real Estate Photography Policies

Protect your real estate photography business day in and day out. Our annual policies include $2 million in A+ rated general liability coverage, up to $75K in camera equipment insurance, and additional options you can use to customize your coverage.

Coverage Details

Here’s a closer look at what we cover

General Liability

Included: 2M Annual Coverage
Increased Limits Available

General liability insurance covers third-party bodily injury and property damage claims. If someone injures themselves after tripping over your gear and sues you, or your lighting setup falls over and damages a home’s flooring, general liability can pick up the costs — saving you money.

It also protects against the cost of copyright infringement claims, being sued for slander or libel, and advertising mistakes. Visit our liability insurance simplified page to learn more.

Equipment Coverage

Up to $75,000 Annual Coverage (Optional)
$5K Included in Annual Plus Automatically!

Also known as inland marine, camera equipment insurance can pay to repair or replace damaged or stolen business equipment, such as camera bodies, lenses, and lighting equipment. Our policy can protect against claims that occur at home, on the job, and anywhere in between.

Full Frame’s annual coverage offers multiple equipment insurance options to match your business needs. Not available on Event policies.

Damage To Rented Premises

Included: $300,000 (Annual Plans Only)

Designed to protect your videography business from the cost of claims arising from damages done to rented spaces, like a studio or event booth.

Covers broad property damage for the first seven (7) days. Covers accidental fire damage (also known as fire legal liability insurance) after that.

Professional Liability

Optional coverage (Annual Plans Only): $200,000 per policy term

Highly recommended for most photographers!

Professional liability (aka “failure to deliver” or errors and omissions) covers claims arising from mishaps, like failing to capture all the photos you promised, or a last-minute illness preventing you from fulfilling your contract. It also covers professional mistakes, like giving bad instructions or skipping an important step in a demo.

Data Breach (Cyber Liability)

Optional coverage (Annual Plans Only): $100,000 per policy term

Data breach insurance covers the financial fallout from a cyberattack or data breach (e.g., ransomware, malware, hacking, etc.). It’s highly recommended if you take online payments, collect or store client info or photos online, or send sensitive information via the internet. It can cover notification costs, restoration expenses, settlements, and legal defense.

Additional Insureds

$5 / event policy
$30 / annual policy (unlimited)

Additional insureds are qualified third parties you add to your policy who could be held financially responsible because of your work.

It’s often a contractual requirement of venues, landlords, commercial clients, etc. With Full Frame, you can do this for a small fee whenever you need to, right from your dashboard.

Frequently Asked Questions About Real Estate Photographer Insurance

What Is Real Estate Photographer Insurance?

Photographer insurance is coverage designed to protect real estate photographers from the cost of claims related to common industry risks.

Just one liability claim can cost thousands of dollars in out-of-pocket expenses, but insurance can pay for claims like these so that you can work with peace of mind.

Why Do Real Estate Photographers Need Insurance?

Professional real estate photographers need insurance because they face liability risks like property damage, bodily injury, and equipment theft every day. For example, if a client tripped over your gear and injured themselves, or if you accidentally caused damage to a home you were photographing, you may be held responsible for medical bills or repair costs.

Accidents like these can be costly! Real estate photographer insurance can protect you from paying out of pocket for these mishaps, so you can focus on growing your business.

Do Freelance Photographers Need Insurance?

Yes – you face common (but potentially costly!) risks every time you work as a freelance photographer. Someone could get injured at your shoot, you might accidentally cause damage at a location, or faulty gear could make it impossible for you to deliver the photos you promised.

Should something go wrong, you could be held liable for hefty expenses, like medical bills, repair costs, and legal fees. Photographer insurance is designed to help you weather the unknowns of any photo shoot.

Plus, general liability insurance might be required to rent studio space or to participate in events like trade shows or festivals., It’s also common for third parties like event organizers and venues to ask you to add them to your policy as an additional insured to protect them against claims arising from your work.

Does Photographer Insurance Include Camera Equipment Insurance?

Yes — our Annual Plus plan includes $5,000 in camera equipment coverage. You can increase the amount of coverage or add camera insurance to any of Full Frame’s annual policies.

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

How Much Does Photographer Insurance Cost?

Year-round photographer insurance costs $12 to $23.38 per month with Full Frame Insurance. 1-3 day event policies are also available starting at $59 per event.

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!

"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.

"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.

Real Estate Photographer Insurance

Do Real Estate Photographers Need Liability Insurance?

Real Estate Photography Policies