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Terms and Conditions - Legal Disclaimer

Conditions for Website Use

By using this website, you signify your agreement to the terms and conditions contained in any legal notices contained on this website. Please read all agreements carefully, including our Privacy Policy. We reserve the right to add, delete, or otherwise modify portions of any terms at any time. User access to and use of this website is subject to all applicable federal, state, and local laws and regulations.

General Information

Any applications, policy forms, or other documents on this website are for general information only. Customers and policyholders are hereby advised that fullframeinsurance.com does not warrant that forms on this website are fullframeinsurance.com’s current forms, represent coverage provided to any insured, or are consistent with any present, future, local, state, or federal statutes, administrative rules, or prevailing case law. The descriptions of insurance coverage are general in nature and are not a replacement for actual policy language. Accordingly, we strongly recommend that you consult your attorney concerning any forms.

Use of material from this website (including all of its contents) is our property and is protected by copyright, trademark, and other laws of the United States and other countries. We authorize you to browse through the website and print and download copies of material on the website for the limited purpose of doing business with us, and so long as you do not remove any copyright or other notices that appear on the material you print or download. You agree that you will not otherwise copy, display, or transmit any material on the website in any manner or medium.

Refund Policy

At Full Frame Insurance, all of our policies are 100% fully earned. This means that once a customer’s coverage begins, Full Frame policies are non-refundable. However, in rare circumstances, a cancellation may be permitted. On these occasions, a cancellation fee will be charged. The one exception to this rule is when one of Full Frame’s compliance officers decides the customer’s business is not compliant with a Full Frame Insurance policy. This decision is made within three business days of the customer purchasing a policy. In this instance, the customer’s policy will be cancelled as if they had never bought the policy in the first place, and they will be offered a full refund immediately, though it may take some time for the customer’s bank to post the refund to their account.

“AS IS” Use

The materials on our website are provided “AS IS” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus, and warranties arising from course of dealing or course or performance. We do not represent or warrant that the functions contained in the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes the website available is free of viruses or other harmful components. We do not make any warranties or representations regarding the use of the materials in the website in terms of their completeness, correctness, accuracy, adequacy, usefulness, timeliness, reliability, or otherwise. You are responsible for the entire cost of any damage to your computer system or loss of data.

Limitation of Liability

Your use of the website is at your own risk. To the fullest extent permitted under applicable law, you understand and agree that neither we, nor any third-party, as content providers shall be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or any other damages relating to or resulting from your use or inability to use the website or any other site you access through a link from the website or from any actions we take or fail to take. These include damages for errors, omissions, interruptions, defects, delays, computer viruses, your loss of profits, loss of data, unauthorized access to and alteration of your transmissions and data, and other tangible and intangible losses. This limitation applies regardless whether the damages are claimed under the terms of a contract, as a result of negligence or otherwise, and even if our representatives or we have been negligent or have been advised of the possibility of such damages. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. In no event shall our total liability to you for all damages, losses, and causes of action, whether in an action under contract, tort, or any other theory, exceed $100.00.

Jurisdictional Agreement

Use of this website shall be governed by and construed in accordance with the laws of the State of Utah, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in the state courts located in Utah County, Utah or the federal court located in Utah County, Utah, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any material on the website, or your use of the website, is contrary to the laws of the place where you are when you access it, the website is not intended for you, and we ask you not to use the website. You are responsible for informing yourself of the laws of your jurisdiction and complying with them.

Coverage Territory

Your policy coverage territory is the United States (its territory and possessions), Puerto Rico, and Canada. There is no liability or equipment coverage for losses that occur outside the coverage territory. Please refer to your policy for a complete list of exclusions, conditions, and definitions.

General Provisions

Our failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions.

Copyright Notice

© 2016-2022 fullframeinsurance.com. All rights reserved.

Trademark Notice

Fullframeinsurance.com’s designs, graphics, and logos contained on this site are trademarks of fullframeinsurance.com and may not be used without the express written consent of fullframeinsurance.com.

Privacy Notice

Please see fullframeinsurance.com’s Privacy Policy.

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All policies have conditions, limitations and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.

© 2016-2023  |  All rights reserved.

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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.

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.

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.

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.

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.

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.