Why Choose FFI ?
Protect Your Shoots, Your Gear, and Your Reputation
Whether you’re a freelancer or a full-timer, running a creative business involves more than just “point and shoot.” You’re juggling schedules, client requests, locations, and deadlines — the last thing you need is a confusing insurance policy. We’re here to keep it simple and get you insured and more in less than 10 minutes!
Full Frame Insurance (FFI) helps photographers and videographers protect their livelihoods with coverage that meets them where they work across the U.S. — on location, in the studio, and everywhere in between.
You focus on the work — we’ll handle the what-ifs.
Why Do Photographers and Videographers Need Insurance? Claims are Costly
You can tape down cables and keep your setup tidy, but even careful pros have accidents — especially on location. It doesn’t take much for a small mishap to turn into an unexpected expense. Insurance offers a safety net to keep your business running smoothly.
Protect your shoots, gear, and livelihood from the unexpected.
What Your Full Frame Insurance Policy Can Cover
At FFI, our focus is on you and how we can keep your day-to-day moving. Here’s a quick breakdown of what we offer:
General Liability
Yearly Policy Limit: $2,000,000 aggregate (included)
General liability for photographers and videographers provides third-party bodily injury and property coverage. That means more peace of mind and fewer out-of-pocket expenses for you if a model is injured or you accidentally damage a venue.
Camera Equipment Insurance (Inland Marine)
Yearly Policy Limit: $75,000 Maximum Annual Limit (Optional)
Camera Equipment Insurance, also known as inland marine insurance, covers the repair or replacement costs if your business gear is damaged or stolen. Whether you’re on the job or at home, items like camera lenses, lighting equipment, and more are covered.
Products - Completed Operations
Yearly Policy Limit: $2,000,000 Annual Limit (Included)
Products and completed operations insurance safeguards you if your work or product doesn’t meet a client’s expectations. Maybe a customer isn’t happy with how their engagement photos came out due to printing errors, or that picture-perfect shot wasn’t quite in focus. This coverage can pay legal fees and damages if you face a claim.
Damage to Premises Rented to You
Yearly Policy Limit: $300,000 aggregate (included)
If your rental studio or event space suffers damage, Damage to Premises Rented to You coverage helps cover the expenses. For instance, a lamp overheats during a shoot and burns through a backdrop, causing costly smoke damage. With this coverage, you don’t get hit with the bill.
Coverage Details & Limits
At FFI, our focus is on you and how we can keep your day-to-day moving. Here’s a quick breakdown of what we offer:
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
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$0-$100,000 in Annual Sales $129
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$101,000-$200,000 in Annual Sales $209
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$0-$100,000 in Annual Sales +$6.42/month
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$101,000-$200,000 in Annual Sales +$16.50/month
Equipment Insurance Pricing
Designed to cover gear that is owned by you for your business including cameras, lenses, lighting, gimbals, and other equipment. Your Annual+ policy includes $2,000 per occurrence / $20,000 aggregate coverage, but if you have a lot of expensive gear, you may want higher limits. To add more equipment coverage, review the limits and prices below:
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$5,000 per item/$30,000 aggregate $19.75/month or $237/year
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$10,000 per item/ $60,000 aggregate $37.50/month or $450/year
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$15,000 per item/ $75,000 aggregate $47.33/month or $568/year
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Deductible $250
Note: Equipment insurance can only be added to the Annual Insurance Policy. Equipment and gear that is unattended in a vehicle or trailer is excluded.
Helps pay for the damage or theft of drones you own or rent for your business. You can add drone coverage to your existing camera equipment insurance starting at $25.83/month, with the option for higher limits to cover one drone or a whole fleet. See the limits and prices below:
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$2,000 occurrence / $20,000 aggregate $25.83/month or $310/year
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$5,000 occurrence / $30,000 aggregate $32.08/month or $365/year
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$10,000 occurrence / $60,000 aggregate $63.33/month or $760/year
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$15,000 occurrence / $75,000 aggregate $82.50/month or $990/year
Note: Drone coverage can only be added to the Annual+ Insurance Policy, and requires that you also carry Drone Liability Insurance. Drones left unattended in a vehicle or trailer are excluded.
What's Included?
What You Can Add
Annual Policy Limits of Liability
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing
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$0-$100,000 in Annual Sales $129
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$101,000-$200,000 in Annual Sales $209
What's Included?
What You Can Add
Event Policy Limits of Liability
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit Excluded
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing
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1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
Benefits of Protecting Your Business With Full Frame Insurance
- Buy online in minutes
- Get instant proof of insurance (COI)
- Add additional insureds
- Manage your policy online 24/7
Insurance shouldn’t be complicated. That’s why we’ve made it easy to buy and manage your FFI policy online. However, you can also reach out to our licensed, U.S.-based agents to purchase, manage, and discuss your coverage. Call us at 844.670.1078 to get started!
FFI Offers Legitimate, Trusted Coverage for Photographers and Videographers
Our liability insurance covers a wide variety of photo and video professionals, including:
New to paid gigs? Full-time studio? You’re in the right place! Protect your creative portfolio with expert coverage today!
High-Quality Coverage for a Reasonable Price
At FFI, we focus on providing affordable coverage for busy creative professionals like you.
Here’s a quick look at how we stack up to others in the industry:
| Provider | 2M Annual General Liability Policy | 1-3 Day Event Policy | Bundle With General Liability + Camera Insurance (Inland Marine) | Additional Insureds |
|---|---|---|---|---|
|
FFI |
$129 per year |
$59 |
From $15.33 per month ($184 per year)
|
$30 per year (unlimited annual)
|
|
Next |
$250 per year |
❌ |
❌ |
Add-on
|
|
Hiscox |
$350 per year |
❌ |
❌ |
Included in GL Policy |
|
The Hartford |
$250 per year |
❌ |
❌ |
Add-on
|
|
Thimble |
$260 per year |
$200 |
❌ |
❌ |
| Provider | Buy Online / Instant / Online COI | Camera / Gear Coverage | Professional Liability | Cyber Liability |
|---|---|---|---|---|
|
FFI |
✅ |
Add on, or bundled in Annual+ |
Add-on |
Add-on |
|
Next |
✅ |
❌ |
Add-on |
Add-on
|
|
Hiscox |
✅ |
Add-on
|
Add-on |
Add-on |
|
The Hartford |
✅ |
Add-on |
$522 |
❌
|
|
Thimble |
✅ |
$175 per year |
$516 per year |
$200 per year |
Full Frame Reviews
Here’s what other photography professionals 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.
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.
Camera Equipment Insurance FAQs for Photographers and Videographers
Do photographers and videographers really need insurance?
Yes. FFI protects you and your business when unexpected mishaps ruin a shoot and interrupt your schedule. Also, many venues and clients require proof of insurance, so having your COI ready to go could mean more jobs.
What’s the difference between general liability and professional liability insurance?
General liability covers third-party bodily injury and property damage related to your business activities. Professional liability covers the services you provide, like if you teach a photography workshop and a student claims your advice caused damages. Both coverages are must-haves for creative pros looking to grow their business.
What insurance do venues usually require for photographers?
Most venues require $2M aggregate in general liability coverage, proof of COI, and adding them as an additional insured. However, this can vary by location and clients, so always check with venues and studios for specific requirements.
Can I get insurance for a single event or a one-day shoot?
Absolutely! FFI offers 1-3 day event insurance that includes your essential coverage, including personal and advertising injury, damage to premises, and medical expenses.
Does general liability cover my camera and gear?
On its own, general liability does not cover stolen or damaged equipment — you’ll need camera equipment coverage, also known as inland marine. This optional add-on protects cameras, lenses, lighting equipment, and other video and photo essentials.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.