Special Event
Photography Insurance

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


Special Events Photography Policies

Protect your special events 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

Full Frame’s Ultimate Gear Coverage

$184/ year

woman throwing confetti

Do Special Event Photographers Need Liability Insurance?

As a special event photographer, birthday celebrations, weddings, sports events, and more make every day an exciting adventure. Running an event photography business is risky, though. Without special event photographer insurance, you may be required to pay thousands of dollars or more for claims. Full Frame provides photographers with high-quality, low-cost coverage, including general liability, camera equipment insurance, and more that helps photographers protect their businesses from the cost of claims. 

Corporate Event Photographer Insurance

High-energy events can make being a corporate event photographer fun and exciting! From photographing various aspects of the event to getting those last final-moment shots, you play a critical role in telling an event’s story. That’s why you need special event photographer insurance to protect your business in case you cause or are involved in an accident during an event.

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Sports Event Photographer Insurance

Sports photographers can cover a variety of sports events, from pro of semi pro basketball games to youth track meets and everything in between. Stay in the game with Full Frame’s special event photographer insurance, designed to protect your sports photography business with general liability, camera equipment insurance, and more.

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Frequently Asked Questions About Special Events Photographer Insurance

Special event photography is any professional photography for birthday parties, corporate events, baby showers, bridal showers, anniversaries, or sporting events. Protect your business with special event photography insurance today! 

As a special event photographer, your business has unique needs. That is why we offer three different policy options: Event, Annual, and Annual Plus. 

Our Photographers Event Insurance starts at $59 for three days of coverage. It provides up to $1M per occurrence and $2M Aggregate in coverage limits. This policy includes unlimited additional insureds for $5. It does not include any camera equipment insurance. This policy is a great choice if you are just testing the waters of photography. 

Our Photographer Annual insurance starts at $129 per year and offers a more well-rounded carousel of coverages. This policy includes up to $1M per occurrence and up to $2M aggregate. With this policy, you have the option of adding camera equipment coverage, unlimited additional insureds, professional liability insurance, and cyber liability insurance. 

Our Annual Plus photographers insurance is our most recommended policy for special event photographers. Starting at $184 per year this policy includes camera equipment insurance, damage to rented premises coverage, and general liability with up to $1M per occurrence and $2M aggregate. You also have the option to increase your limits of insurance to better suit your business needs. With this policy, you can also add unlimited additional insureds, professional liability, and cyber liability. 

As a special event photographer, you are faced with several different risks. These risks can include a client tripping over your lighting equipment and injuring themselves or accidentally using a faulty memory card that loses all the photos from a corporate dinner. These risks can lead to claims which can lead to hefty out-of-pocket expenses if you don’t have photography event insurance.  With photographers’ insurance, these claims can be resolved quickly and can mitigate or even eliminate the out-of-pocket costs. 



While filing a claim is never fun, here at Full Frame we’ve made it easy for you. Here are 4 simple steps on how to file a claim. 

  1. Login to your user dashboard
  2. Click “File a Claim” 
  3. Follow the promptings
  4. You can also contact one of our customer service representatives and they can help you with the process. 

For additional information here is a blog on how to file a claim.

Yes! You can add an additional insured at any time by signing in to your user dashboard and adding the coverage along with the additional insured information. 

An additional insured is either a landlord or event organizer who requires you to list them on your insurance policy and your policy extends coverage to them. It is standard practice for landlords to require you to list them as an additional insured. Additional insureds can also include studio owners, photography event organizers, or national parks.

You would want to include an additional insured if you are renting a space or are taking photos anywhere that involves risk to the property owner, you may want to include an additional insured. It is $15 for access to unlimited additional insureds on your special event photography insurance policy. 

Yes! Our event policy starts out at $59 for up to three days of coverage. 

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.