Do Real Estate Photographers Need Liability Insurance?
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.
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
$1,000 Occurrence / $5,000 Aggregate
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.
Damage To Rented Premises
$300,000 Occurrence / $300,000 Aggregate
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.
$100,000 Occurrence / $200,000 Aggregate
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.
$100,000 Occurrence / $100,000 Aggregate
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.
$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.
FAQs 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.
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: