Wedding Photographer
Insurance

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

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Do Wedding
Photographers Need
Photography Liability Insurance?

Do Wedding Photographers
Need Photography Liability Insurance?

Wedding photographers are often required to have photography liability insurance in order to capture weddings. Wedding photographers can face claims like trip and fall accidents, property damage, faulty memory cards, and more. Liability claims can cause serious financial harm and halt your photography business in its tracks. Wedding photographer insurance can protect your business from the cost of claims, allowing you to continue running your business with peace of mind.


Wedding Photography Insurance Policies

Protect your wedding 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

The ultimate in Full Frame coverage

$184/ year

Wedding Photographer Coverage Details

Keep scrolling for a closer look at insurance for wedding photographers.

General Liability

$2M Aggregate

General liability insurance can protect your photography 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 Insurance

Up to $75,000 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 Aggregate

This coverage can protect your photography business from the cost of claims arising from damages done to rented spaces, like a photography studio or event booth. It’s common for property owners and event organizers to require photographers to list them as additional insureds on a policy before renting a space. Full Frame provides photographers with unlimited additional insureds for just $30.

Professional Liability

$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.

Cyber Liability

$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.

Increased Limits

$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.

Do Wedding Photographers Need Photography Liability Insurance?

Wedding photographers are often required to have photography liability insurance in order to capture weddings. Wedding photographers can face claims like trip and fall accidents, property damage, faulty memory cards, and more. Liability claims can cause serious financial harm and halt your photography business in its tracks. Wedding photographer insurance can protect your business from the cost of claims, allowing you to continue running your business with peace of mind.

Is Camera Equipment Insurance Included In Wedding Photographer Insurance Coverage?

When it comes to camera equipment insurance, you have a few options. Our recommended policy, the Annual Plus policy, includes camera equipment insurance and has multiple coverage options to fit your business needs. Our Annual and Event policies do not include camera equipment coverage. However, you can add it to your policy if you would like that extra protection. 

Camera equipment insurance is a fantastic coverage to include on your policy. We understand that your camera equipment is not only expensive but the heart of your business. If it is damaged or stolen, you could be looking at thousands of dollars to replace or repair it. Camera equipment insurance can help mitigate or even eliminate those out-of-pocket costs.

Can I List A Venue As An Additional Insured?

An additional insured is a landlord or business owner from whom you rent a business space,  studio space, or event booth. It is standard practice for a landlord or event organizer to require you to list them as an additional insured. You can add an additional insured to your insurance policy at any time. For $30 you can have unlimited additional insureds.

Questions About Wedding Photographer Insurance

Wedding photography insurance is a liability insurance plan designed to protect wedding photographers from the cost of liability claims. Just one liability claim could cost your business thousands of dollars and damage your reputation. Full Frame provides wedding photographers with annual and event policies that include general liability coverage that can protect your business from the cost of bodily injury and property damage claims. It can also include camera equipment insurance to protect your gear as well as extra policy options for added coverage.

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Professional wedding photographers face several liability risks. Some claims could look like a client tripping and injuring themselves on your camera equipment, a faulty memory card, and even your camera equipment getting damaged. Capturing your client’s perfect day at several different locations exposes you to a wide array of unknowns and you can’t always have full control of every situation. Should something go wrong, you could be held liable for a variety of expenses, including medical bills, repairs, and legal fees. Wedding photography insurance can help you weather each and every storm at the weddings you shoot.

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Full Frame provides annual and event policies. Annual policies that include general liability and equipment coverage cost as low as $184 a year. Annual policies without equipment coverage start at $129. Full Frame’s event policy costs $59 for three days of coverage and includes general liability coverage.

Additional policy options are also available for annual policies at added cost for businesses that require more coverage, including professional liability insurance and cyber liability insurance.

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One-day event insurance provides coverage for one to three days. This coverage is best if you are just testing out photography or just need it for a single wedding. If you plan on capturing more than two weddings or events, it is best to purchase an annual policy. Our Annual and Annual Plus policy provides year-round coverage in addition to multiple camera equipment options and extra policy options for a more robust wedding photographer insurance policy.

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.