Wedding Photographer Insurance
Protect your wedding photography business in ten minutes or less.
- Bundle Camera and General Liability insurance from $23.83/month
- Instant Certificate of Insurance (COI) and 24/7 online dashboard management
- $2 million general liability policies to meet wedding venue requirements
- 1–3 day event policies for short-term coverage
Safeguard Your Passion: Don't let camera damage or theft hinder your photography journey — add equipment coverage to keep you thriving
Do Wedding Photographers Need Photography Liability Insurance?
Wedding photographers are often required to have photography liability insurance in order to capture weddings. No matter how careful you are, shooting weddings comes with inherent risks. You could face a range of claims arising from trip-and-fall accidents, property damage, faulty memory cards, and more.
Liability claims like these can cause serious financial harm and halt your business in its tracks. Wedding photographer insurance is designed to protect your business from the cost of claims, so you can stay focused on running your business with peace of mind. (BTW: the same is true for wedding videographers.)
Wedding Photography Insurance Policies
Protect your wedding photography business, reputation, and career. Full Frame’s affordable Annual policies include up to $2 million general liability coverage, multiple options for camera equipment insurance, and additional options you can use to customize your coverage.
Wedding photographers who only need short-term coverage can also get a $2 million general liability policy for 1–3 day events at a low cost, and add additional insureds for $5. With our event policy, you’ll never have to worry about insurance when you don’t absolutely need it.
- General Liability (2M Limit)
- Products-Completed Operations (2M Limit)
- Up to $75k of Camera Equipment Protection
- Additional Coverage Options Available
- Photographers & Videographers
- Long Term Liability Coverage
or $271/year
- General Liability (2M Limit)
- Products-Completed Operations (2M Limit)
- Up to $75k of Camera Equipment Protection
- Additional Coverage Options Available
- Photographers & Videographers
- Long Term Liability Coverage
or $271 / year
or $129 / year
Wedding Photographer Coverage Details
General Liability
Included: $2M per policy term, $1M per occurrence
Optional: Increase per occurrence limit to $2M (+$6.42/month)
General liability insurance protects 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, being sued for slander or libel, advertising mistakes, and more.
Camera Equipment Insurance
$5,000–$75,000 coverage per policy term
Included in Annual Plus!
Camera insurance (also known as inland marine) pays to repair or replace damaged or stolen business equipment — including camera bodies, lenses, lighting equipment, laptops, and more — that occur at home, on a job and anywhere in between.
Full Frame offers multiple coverage tiers to keep pace as your business grows.
Damage To Rented Premises
Included: $300,000 per policy term
Designed to protect your photography business from the cost of claims arising from damages done to rented spaces, like a photography studio or event booth.
Covers broad property damage the first seven (7) days, covers accidental fire damage (also known as fire legal liability insurance) after that.
Professional Liability
Optional coverage: $200,000 per policy term
Recommended for most wedding photographers!
Professional liability (aka “failure to deliver” or errors and omissions) covers negligence claims arising from mishaps like failing to capture all the photos you promised, or a faulty memory card or last-minute illness preventing you from fulfilling your contract. It also covers professional mistakes, like giving bad instructions or skipping an important step in a demo.
Data Breach (Cyber Liability)
Optional coverage: $100,000 per policy term
Data breach insurance covers the financial fallout that can arise from a cyberattack that results in a data breach (e.g., ransomware, malware, hacking, etc.) Highly recommended if you take online payments, collect or store client info or photos online, or send sensitive information via the internet. It can cover notification costs, restoration expenses, settlements, legal defense, and more.
Additional Insureds
$5 / event policy
$30 / annual policy (unlimited)
Additional insureds are qualified third parties you add to your policy who could be held financially responsible because of your work.
It’s often a contractual requirement of venues, landlords, commercial clients, etc. With Full Frame, you can do this for a small fee whenever you need to, right from your dashboard.
Is Camera Equipment Insurance Included in Wedding Photographer Insurance Coverage?
Yes — depending on your policy. Camera equipment insurance comes standard along with general liability in our Annual Plus plan. It’s the most affordable way to protect both your business and the cameras, lenses, tech, lighting, and other gear you need to stay in the wedding photography game!
We offer five tiers of coverage (from $5,000 to $75,000 per policy term). As your business and your inventory of gear expands, so can your protection. You can add camera equipment insurance to any Annual plan.
Event policies don’t include camera and gear coverage, so even if you only shoot a few times a year, having an annual plan in place is recommended.
Camera equipment insurance is a fantastic coverage to include on your policy. Your camera equipment isn’t just expensive — it’s the heart of your business. If it’s damaged or stolen, you could be looking at thousands of dollars to replace or repair it. Camera equipment insurance can mitigate or even eliminate those out-of-pocket costs.
What Happens If a Client Sues Me for Lost or Poor-Quality Photos?
Every wedding photographer’s worst nightmare! You did your best, but a faulty memory card or malfunctioning camera let you down, and now a client is suing you for failing to deliver on your promises. Professional liability insurance (also known as errors and omissions/E&O or “failure to deliver”) is designed to cover claims just like this — which is why we recommend that every wedding photographer add professional liability to their coverage package.
Can I List a Venue as an Additional Insured?
Yes! It is standard practice for a wedding venue 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 from your dashboard.
Being able to add additional insureds makes you more attractive to work with because if a suit arises out of your work, your policy can also protect them financially. This can even be the key to becoming a preferred vendor for a venue or event planner.
Questions About Wedding Photographer Insurance
How Much Does Wedding Photographer Insurance Cost?
Wedding photographer insurance costs $23.83 per month. This includes $5,000 in equipment coverage and $2 million in general liability insurance as part of an annual photography insurance policy.
Your final cost could be more (or less) depending on the base plan you choose, how you customize your policy with add-ons or increased limits, and the size and revenue of your operation.
What Is Wedding Photography Insurance?
Wedding photography insurance is a series of liability coverage options tailored to the unique needs of the photography industry. It’s designed to cover common claims, like client injuries, venue property damage, mishaps that make it impossible to fulfill your contract or make your client happy, and more.
What Types of Insurance Do Wedding Photographers Need?
Most wedding photographers need general liability, professional liability (failure to deliver), camera insurance, and data breach coverage. These coverages offer robust protection for a range of risks that nearly all wedding photographers face.
What’s the Difference Between One Day Event vs Annual Coverage for Wedding Photographers?
One-day event insurance is general liability coverage for a 1–3 day event policy term, while annual wedding photography insurance protects your business year-round. If you shoot more than two events a year, an Annual policy is more affordable and robust. Annual plans provide year-round coverage, the ability to add camera insurance, and extra built-in coverages.
You're in Good Company with Full Frame
Here’s what other people have to say about their experience.
Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!
The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
Related Articles
How to Become a Real Estate Photographer: 10 Tips to Kickstart Your Career
Do you have an eye for architecture, detail, and composition? Do you get a thrill from framing the perfect wide-angle shot? A career in real
Wedding Photographer Outfits: Balancing Comfort, Style, & Practicality
Weddings – we love weddings! Full of love and laughter! And for you, the wedding photographer, a lot of work. You have your hands full
5 Photography Marketing Ideas (That Actually Work)
Marketing your photography business can be more challenging than getting a shy child to say cheese. Where and how do you find clients? How do
