Frequently Asked Questions
Full Frame Insurance an online insurance provider designed specifically to help photographers and videographers protect their businesses from the cost of claims. With event policies for just $59 and annual policies starting at just $129 a year, Full Frame has the high-quality, low-cost insurance you need to create a financial safety net for your business.
Yes, Full Frame Insurance is in fact a legit business that provides photographers and videographers across the nation with A+ rated, low-cost insurance. We’ve helped thousands of business owners protect their businesses from the cost of claims. We understand your doubts, though. An insurance company that provides coverage that is both high quality and affordable? It’s almost too good to be true! But that’s exactly what makes Full Frame so unique.
The answer is simple: Full Frame Insurance is affordable because it doesn’t have to be expensive. As an online program, Full Frame sells directly to business owners—there are no agents, no quotes, and most importantly, no commissions. With Full Frame, you can trust that your yearly premium is doing exactly what it’s supposed to: protecting your business. But there’s another trick, and it has to do with how Full Frame distributes its policies. When you purchase insurance with Full Frame, you are added as a policy holder to a risk purchasing group called the beauty, health, and trade alliance—owned and managed by our parent company, Insurance Canopy. Risk purchasing groups are groups composed of policyholders who purchase insurance together, enabling them to purchase coverage at a lower rate. But don’t worry: You’re still getting your own insurance policy, with your own limits. You don’t actually share anything with the group’s other policy holders.
If a check from an insurance carrier isn’t cashed quickly enough, it can bounce. If that happens, please reach out to us and we will make sure you receive your money for your claim.
There are some circumstances where camera and equipment theft may not be covered, like equipment unattended in a vehicle. However, if someone steals your equipment while it was attended by you or your designee coverage may apply. If you have a question about coverage for stolen equipment, please contact us directly for more information.
At this time Full Frame Insurance does not offer drone coverage.
Camera Equipment Coverage covers camera bodies, lenses, lighting equipment, backdrops, and more. These things are generally not permanently attached to a building or vehicle. Camera equipment coverage extends to your property whether you’re in a studio, your home, on location, or anywhere in between.
$1,000 is the most the policy will pay for any one item loss in a claim i.e., If we have a $2,000 camera lens and a $1,000 camera body both subject to the same covered loss, the policy would only pay up to $1,000 for the lens and up to $1,000 for the camera body and a total of $5,000 for all items combined.
Yes! While the photographer has to be based out of a covered state, their equipment coverage is valid anywhere in the world.
Yes! We require the photographer to be based out of one of the states that we cover. However, they are covered anywhere in the US and Canada for liability coverage.
No. The Camera Equipment Coverage does not extend to rented equipment used for your business.
No. This is a liability policy and does not have any coverage for the content produced. Professional Liability coverage does offer some limited editing coverage for weddings but does not extend beyond that. Contact us today for more information.
No. The Full Frame Policy does not extend coverage to Independent Contractors, they would need their own policy.
Your Business Type will determine who is automatically insured on your policy. If you have more questions regarding this please contact us.
No. The Full Frame policy does not offer coverage for these types of entities. Film Production is excluded.
Yes. Photos must be kept private and not advertised.
Q. What Is Inland Marine Insurance?
Inland marine insurance, also called tools and equipment coverage or camera equipment insurance, can protect your inventory, photography equipment, and studio contents in the event of “named peril” events. These events can include fire or lightning, windstorms, frost or cold weather, hail, rain, sleet, snow, ice, smoke damage, vandalism, and more. Camera equipment insurance can replace, repair, or reimburse your business for damaged or stolen equipment. Read our blog for more information about Inland Marine Insurance.
Inland marine insurance can cover photography tools, photography equipment, and inventory that is not permanently attached to a building or vehicle. The window of a studio would not be covered. Instances, where your photography tools and equipment are covered, can include:
- Fire or Lightening
- Explosion, but not caused by or resulting from water
- Windstorm
- Frost or Cold Weather
- Hail, Rain, Sleet, Snow, or Ice
- Smoke damage causing sudden and accidental loss
- Vandalism
- Riot or Civil commotion
- Items or contents when damaged by Collision, upset, or overturn of a vehicle, in which the contents are being transported
- The collapse of a building, when caused by the weight of snow, ice, sleet, or rain
- Breakage, sudden and unintentional. Not due to maintenance or equipment breakdown.
- Theft, with certain exceptions theft of unattended equipment, or equipment left unattended in vehicles or trailers is not covered.
- Sprinkler leakage from an automatic sprinkler system
- Sinkhole
- Volcanic Action
Inland marine insurance does not cover buildings, structures, or equipment that is permanently installed, attached, or related to your business. It also does not cover rented and leased camera equipment or theft of camera gear that is left unattended in a vehicle or trailer.
For in depth information regarding our programs’ coverage details, please visit our coverage details page.
To purchase a Full Frame policy:
- Click on the “Buy Now” button in the menu at the top of the web page.
- Select the policy you would like to purchase: our one day photography insurance or our annual policy. You will then be directed to our policy application form.
- Fill out the required information on our short, three-step application form according to the coverage you would like to purchase.
- At the end of the form, select purchase policy.
Your policy will be active once your payment has been verified, after which you may access your Full Frame user portal. In your portal where you view and print your insurance certificate, add additional insureds, and manage your account 24/7.
Full Frame Insurance is designed for individual photographers and small photography businesses. If you are a photographer or videographer who makes less than $200,000 and does not violate the following conditions, then you qualify for Full Frame. If your gross sales does exceed $200,000, don’t worry. We may still cover you, but you’ll need to contact us directly to discuss the additional coverage requirements for your business.
- Must not currently perform, or must not have previously performed, any work that would be considered adult material
- Must not currently perform, or must not have previously performed, any work that would be considered paparazzi
- Must not have had any complaints, claims, or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel, or other personal or advertising issues
- Must not have had any insurance claims exceeding $5,000
If you have a question on whether or not your business qualifies for Full Frame, feel free to call us or use our contact form to send a message and we’ll respond within 24 business hours.
Your photography insurance or videography insurance policy will activate immediately after your payment online is verified or on the date you selected your coverage to start. Once your payment is verified, you will have access to your Full Frame user portal, where you can view and print your insurance certificate, add additional insureds, while also managing your account online 24/7.
Yes. Simply, go to your user dashboard under My Policies > Edit My Policies.
No. Full Frame does not offer refunds.
Unfortunately, you can not increase your general liability limits at this time
Annual policies can be dated in advance up to 60 days.
Event policies can be dated in advance up to 180 days (There may be some exceptions due to master policy renewals).
A loss payee is a person or organization listed on an insurance policy’s declarations page that is entitled to receive claim payments before the policy owner due to a financial interest in the insured property.
Loss Payees are added by endorsement on the Full Frame Policy. The additional cost is $25.
Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.
An additional insured is a person or organization that is added to your insurance policy by endorsement and this is a common request. When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence. You are not at risk for their operations when you add them as an additional insured.
Yes. If you purchase an annual policy with Full Frame, you can purchase one additional insured for $15 or an unlimited number of additional insureds for $30. If you purchase an event policy, you can purchase unlimited additional insureds for $5.
Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.
An additional insured is a person or organization that is added to your insurance policy by endorsement and this is a common request. When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence. You are not at risk for their operations when you add them as an additional insured.
A Certificate of Liability Insurance is a document that serves as proof of insurance coverage for businesses. It outlines the types and limits of coverage, as well as the insurance company’s contact information. This certificate is often requested by clients, vendors, or landlords to ensure that a business has adequate insurance protection. With a Certificate of Liability Insurance, you can provide peace of mind and establish trust with your business partners.
Accessing your Certificate of Insurance is easy and can be done in 3 simple steps.
- Simply, log in to your user dashboard
- Navigate to “Download Documents”
- Download and view your Certificate of Insurance
Many venues and events require professional photographers and videographers to present a certificate of liability insurance before allowing you to shoot on location or participate in the event. Entities Who May Require a Certificate of Liability Insurance:
- National or state parks
- County parks or recreation areas
- Sports arenas, expo centers, or event venues
- Privately held company property such as large hotels
Full Frame Insurance allows you to download and print your certificate of your photographer insurance upon purchase. You may have to include it as part of your permit applications. With Full Frame, you can download your certificate of liability insurance on your mobile phone and have it with you everywhere you go.
Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.
Yes. Additional insured may be added retroactively to your existing Full Frame coverage. For annual policies, you may add one additional insured for $15 or unlimited additional insureds for $30. For event policies, you may add unlimited additional insureds for $5.
To add an additional insured after purchasing your policy:
- Log into your Full Frame user portal
- Under the Manage Policies section, click “Change Policy Options”
- In the application form, add the additional insured’s information
- At the end of the form, click “Purchase Now”
If you need to change the information on any of your additional insured, please email us with the information you need to change.
No. Your Full Frame policy does not automatically renew unless you opt-in to Full Frame’s easy renewal system.
You may choose to opt-in to EZ Renew, Full Frame’s auto-renewal system, during the checkout process or at any time after purchasing your policy.
To enroll after purchase, click the “My Policy” button in your dashboard. If you choose not to enroll, your policy will not automatically renew.
To renew your Photographer Insurance policy:
- Login to your Full Frame user portal
- UnderClick on “My Policies” then click the “Renew” button next to your expiring policy number.
- Click that button and follow directions provided to you.
Please note that the “Renew” button will only be available within 30 days of your policy expiration date.
Yes, you will receive reminders to renew your policy. Automatic reminders are emailed to you 30 days, 15 days, and one day before your policy expires.
About Full Frame Insurance
Full Frame Insurance an online insurance provider designed specifically to help photographers and videographers protect their businesses from the cost of claims. With event policies for just $59 and annual policies starting at just $129 a year, Full Frame has the high-quality, low-cost insurance you need to create a financial safety net for your business.
Yes, Full Frame Insurance is in fact a legit business that provides photographers and videographers across the nation with A+ rated, low-cost insurance. We’ve helped thousands of business owners protect their businesses from the cost of claims. We understand your doubts, though. An insurance company that provides coverage that is both high quality and affordable? It’s almost too good to be true! But that’s exactly what makes Full Frame so unique.
The answer is simple: Full Frame Insurance is affordable because it doesn’t have to be expensive. As an online program, Full Frame sells directly to business owners—there are no agents, no quotes, and most importantly, no commissions. With Full Frame, you can trust that your yearly premium is doing exactly what it’s supposed to: protecting your business. But there’s another trick, and it has to do with how Full Frame distributes its policies.
When you purchase insurance with Full Frame, you are added as a policy holder to a risk purchasing group called the beauty, health, and trade alliance—owned and managed by our parent company, Insurance Canopy. Risk purchasing groups are groups composed of policyholders who purchase insurance together, enabling them to purchase coverage at a lower rate. But don’t worry: You’re still getting your own insurance policy, with your own limits. You don’t actually share anything with the group’s other policy holders.
If a check from an insurance carrier isn’t cashed quickly enough, it can bounce. If that happens, please reach out to us and we will make sure you receive your money for your claim.
There are some circumstances where camera and equipment theft may not be covered, like equipment unattended in a vehicle. However, if someone steals your equipment while it was attended by you or your designee coverage may apply. If you have a question about coverage for stolen equipment, please contact us directly for more information.
At this time Full Frame Insurance does not offer drone coverage.
Camera Equipment Coverage covers camera bodies, lenses, lighting equipment, backdrops, and more. These things are generally not permanently attached to a building or vehicle. Camera equipment coverage extends to your property whether you’re in a studio, your home, on location, or anywhere in between.
$1,000 is the most the policy will pay for any one item loss in a claim i.e., If we have a $2,000 camera lens and a $1,000 camera body both subject to the same covered loss, the policy would only pay up to $1,000 for the lens and up to $1,000 for the camera body and a total of $5,000 for all items combined.
Yes! While the photographer has to be based out of a covered state, their equipment coverage is valid anywhere in the world.
Yes! We require the photographer to be based out of one of the states that we cover. However, they are covered anywhere in the US and Canada for liability coverage.
No. The Camera Equipment Coverage does not extend to rented equipment used for your business.
No. This is a liability policy and does not have any coverage for the content produced. Professional Liability coverage does offer some limited editing coverage for weddings but does not extend beyond that. Contact us today for more information.
No. The Full Frame Policy does not extend coverage to Independent Contractors, they would need their own policy.
Your Business Type will determine who is automatically insured on your policy. If you have more questions regarding this please contact us.
No. The Full Frame policy does not offer coverage for these types of entities. Film Production is excluded.
Yes. Photos must be kept private and not advertised.
Q. What Is Inland Marine Insurance?
Inland marine insurance, also called tools and equipment coverage or camera equipment insurance, can protect your inventory, photography equipment, and studio contents in the event of “named peril” events. These events can include fire or lightning, windstorms, frost or cold weather, hail, rain, sleet, snow, ice, smoke damage, vandalism, and more. Camera equipment insurance can replace, repair, or reimburse your business for damaged or stolen equipment. Read our blog for more information about Inland Marine Insurance.
Inland marine insurance can cover photography tools, photography equipment, and inventory that is not permanently attached to a building or vehicle. The window of a studio would not be covered. Instances, where your photography tools and equipment are covered, can include:
- Fire or Lightening
- Explosion, but not caused by or resulting from water
- Windstorm
- Frost or Cold Weather
- Hail, Rain, Sleet, Snow, or Ice
- Smoke damage causing sudden and accidental loss
- Vandalism
- Riot or Civil commotion
- Items or contents when damaged by Collision, upset, or overturn of a vehicle, in which the contents are being transported
- The collapse of a building, when caused by the weight of snow, ice, sleet, or rain
- Breakage, sudden and unintentional. Not due to maintenance or equipment breakdown.
- Theft, with certain exceptions theft of unattended equipment, or equipment left unattended in vehicles or trailers is not covered.
- Sprinkler leakage from an automatic sprinkler system
- Sinkhole
- Volcanic Action
Inland marine insurance does not cover buildings, structures, or equipment that is permanently installed, attached, or related to your business. It also does not cover rented and leased camera equipment or theft of camera gear that is left unattended in a vehicle or trailer.
Policy Information
For in depth information regarding our programs’ coverage details, please visit our coverage details page.
To purchase a Full Frame policy:
- Click on the “Buy Now” button in the menu at the top of the web page.
- Select the policy you would like to purchase: our one day photography insurance or our annual policy. You will then be directed to our policy application form.
- Fill out the required information on our short, three-step application form according to the coverage you would like to purchase.
- At the end of the form, select purchase policy.
Your policy will be active once your payment has been verified, after which you may access your Full Frame user portal. In your portal where you view and print your insurance certificate, add additional insureds, and manage your account 24/7.
- Must not currently perform, or must not have previously performed, any work that would be considered adult material
- Must not currently perform, or must not have previously performed, any work that would be considered paparazzi
- Must not have had any complaints, claims, or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel, or other personal or advertising issues
- Must not have had any insurance claims exceeding $5,000
If you have a question on whether or not your business qualifies for Full Frame, feel free to call us or use our contact form to send a message and we’ll respond within 24 business hours.
Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.
Your photography insurance or videography insurance policy will activate immediately after your payment online is verified or on the date you selected your coverage to start. Once your payment is verified, you will have access to your Full Frame user portal, where you can view and print your insurance certificate, add additional insureds, while also managing your account online 24/7.
Yes. Simply, go to your user dashboard under My Policies > Edit My Policies.
No. Full Frame does not offer refunds.
Unfortunately, you can not increase your general liability limits at this time
Annual policies can be dated in advance up to 60 days.
Event policies can be dated in advance up to 180 days (There may be some exceptions due to master policy renewals).
A loss payee is a person or organization listed on an insurance policy’s declarations page that is entitled to receive claim payments before the policy owner due to a financial interest in the insured property.
Loss Payees are added by endorsement on the Full Frame Policy. The additional cost is $25.
Additional Insureds
Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.
An additional insured is a person or organization that is added to your insurance policy by endorsement and this is a common request. When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence. You are not at risk for their operations when you add them as an additional insured.
Yes. If you purchase an annual policy with Full Frame, you can purchase one additional insured for $15 or an unlimited number of additional insureds for $30. If you purchase an event policy, you can purchase unlimited additional insureds for $5.
Yes. Just log into your account on the website and you will be able to print off your certificates within minutes.
An additional insured is a person or organization that is added to your insurance policy by endorsement and this is a common request. When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence. You are not at risk for their operations when you add them as an additional insured.
Insurance Certificates
A Certificate of Liability Insurance is a document that serves as proof of insurance coverage for businesses. It outlines the types and limits of coverage, as well as the insurance company’s contact information. This certificate is often requested by clients, vendors, or landlords to ensure that a business has adequate insurance protection. With a Certificate of Liability Insurance, you can provide peace of mind and establish trust with your business partners.
Accessing your Certificate of Insurance is easy and can be done in 3 simple steps.
- Simply, log in to your user dashboard
- Navigate to “Download Documents”
- Download and view your Certificate of Insurance
Q. Who May Require Me To Provide a Certificate of Liability Insurance?
Many venues and events require professional photographers and videographers to present a certificate of liability insurance before allowing you to shoot on location or participate in the event.
Entities Who May Require a Certificate of Liability Insurance:
- National or state parks
- County parks or recreation areas
- Sports arenas, expo centers, or event venues
- Privately held company property such as large hotels
Full Frame Insurance allows you to download and print your certificate of your photographer insurance upon purchase. You may have to include it as part of your permit applications. With Full Frame, you can download your certificate of liability insurance on your mobile phone and have it with you everywhere you go.
Q. Can I add an additional insured after I purchase my policy?
Yes. Additional insured may be added retroactively to your existing Full Frame coverage. For annual policies, you may add one additional insured for $15 or unlimited additional insureds for $30. For event policies, you may add unlimited additional insureds for $5.
To add an additional insured after purchasing your policy:
- Log into your Full Frame user portal
- Under the Manage Policies section, click “Change Policy Options”
- In the application form, add the additional insured’s information
- At the end of the form, click “Purchase Now”
If you need to change the information on any of your additional insured, please email us with the information you need to change.
Renewing Your Policy
No. Your Full Frame policy does not automatically renew unless you opt-in to Full Frame’s easy renewal system.
You may choose to opt-in to EZ Renew, Full Frame’s auto-renewal system, during the checkout process or at any time after purchasing your policy.
To enroll after purchase, click the “My Policy” button in your dashboard. If you choose not to enroll, your policy will not automatically renew.
To renew your Photographer Insurance policy:
- Login to your Full Frame user portal
- Click on “My Policies” then click the “Renew” button next to your expiring policy number.
- Click that button and follow directions provided to you.
Please note that the “Renew” button will only be available within 30 days of your policy expiration date.
Yes, you will receive reminders to renew your policy. Automatic reminders are emailed to you 30 days, 15 days, and one day before your policy expires.
