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As a real estate photographer, you face a unique set of risks. From property damage to bodily 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, you may be required to cover the cost out of pocket, but with real estate photographer insurance, you can protect yourself from facing those costly claims alone.
Real Estate Photography Policies
Protect your real estate photography business for the next year with our annual packages with up to $2 million in A+ rated general liability coverage, multiple options for camera equipment insurance, and additional policy options for customized coverage.
$59/ 3 days
Perfect for 3 or more shoots per year. Optional gear and professional services coverage.
Here’s a closer look at what we cover
Damage To Rented Premises
$3M / $4M Aggregate
If your business requires additional protection against bodily injury or property damage claims, you can increase the limits of your policy. This increases the maximum amount of coverage provided by your general liability policy, up to $2 million in coverage per occurrence with a $3 million aggregate, or $3 million per occurrence with a $4 million aggregate.
Frequently Asked Questions About Real Estate Photographer Insurance
Real estate photographer insurance is a liability insurance plan designed to protect real estate photographers from the cost of claims. Professional real estate photographers face a variety of liability risks every day, from property damage, bodily injury, equipment loss, and more. Just one liability claim can cost thousands of dollars in out of pocket expenses. Real estate photographers insurance can reduce and sometimes remove the cost your business may be required to pay for claims.
Liability insurance can help real estate photographers protect their businesses from the cost of liability claims that arise as a result of their business operations. For example, if a client tripped over your gear and injured themselves, or if you accidentally caused damage to a home you were shooting, you may be legally required to pay for it.
Accidents can be costly, especially in cases regarding bodily injury or if a priceless item was damaged. Real estate photographer insurance can protect you from paying out of pocket for these accidents and help you run your business with peace of mind.
Whether you run a professional photography business or are simply starting out as a freelance photographer, you face several liability risks every day as you perform your business operations at new locations and with a diverse array of clients. Should something go wrong, you could be held liable for a variety of hefty expenses, including medical bills, repair costs, and legal fees.
Photographer insurance is designed to help photographers like you weather the unknowns of each photo shoot. In addition, if you rent studio space or any other location, or plan to participate in events like trade shows to market your business, you may be required to carry liability insurance—and list the owners as an additional insured—before you are allowed to work on their property.
Yes, Full Frame offers a variety of camera equipment insurance options that can be included into your annual Photographer Insurance policy.
Depending on the price of your gear and your specific coverage needs, you can insure your photography equipment for as low as $55 dollars a year for up to $1,000 in coverage per item or choose to increase your coverage to up to $349 a year for $15K in coverage per item.
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
Full Frame’s Annual Policy
For as low as $129 per year, photographer insurance protects your business for an entire year with up to $2 million in coverage for general liability.
You may include additional coverage for your business at extra cost. Additional coverage options include professional liability insurance, camera equipment insurance, cyber liability insurance, and more. If your business requires additional insureds, you may include them at any time for $15 per additional insured or $30 a year for unlimited additional insureds.
Full Frame’s Event Policy
Our event policy, which lasts 1–3 days, starts at just $59 for up to $2 million in general liability coverage plus an additional $5 for every additional insured included on the policy.
Whether you’re a seasoned photographer veteran with years of experience, or a newly started freelance photographer, if you perform your photography as a professional service you face risk and could be liable to pay hefty expenses in the event of an accident.
Full Frame’s Photographer Insurance plan provides professional photographers in a variety of industries with high quality coverage to protect themselves should an accident occur involving their photography business. Common professional photographer insurance that Full Frame provides include:
- Wedding Photographers
- Portrait Photographers
- Food Photographers
- Real Estate Photographers
- Event Photographers
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