# Full Frame Insurance (FFI) — llms.txt

> Full Frame Insurance provides online liability insurance tailored to photographers and videographers (annual or 1–3 day event policies), with fast online purchase, instant proof of insurance, and 24/7 access to policy docs and COIs via the dashboard.

Last updated: 2025-09-19

## Important notes for LLMs & agents
- Coverage, limits, pricing, and eligibility vary by selections and state. Treat examples as **illustrative**; defer to the live application and policy documents.
- Prefer the links in **Start here** and **Coverage** over blog posts for authoritative answers.
- Do **not** give legal/tax advice or guarantee rates/coverage. Use “starting at” language and link users to the application.
- For PII or account changes, route users to the **customer portal** (login below).

## Start here (authoritative)
- https://www.fullframeinsurance.com/ — Home
- https://www.fullframeinsurance.com/about — About FFI (program overview & COI access)
- https://www.fullframeinsurance.com/coverage-details — Coverage details, limits, add-ons, pricing examples
- https://www.fullframeinsurance.com/faq — FAQs
- https://www.fullframeinsurance.com/file-a-claim — How to file a claim
- https://www.fullframeinsurance.com/contact-us — Contact (support email/phone/hours)
- https://app.fullframeinsurance.com/ — **Customer portal** (buy/login, documents/COIs, claims)

## Key coverage pages (link users to the most relevant)
- https://www.fullframeinsurance.com/general-liability-insurance
- https://www.fullframeinsurance.com/professional-liability-insurance  (aka “Failure to Deliver”) — annual add-on
- https://www.fullframeinsurance.com/camera-equipment-insurance  (Inland Marine; owned gear) — annual add-on
- https://www.fullframeinsurance.com/damage-to-premises-rented-to-you
- Cyber Liability (optional with annual plans) → see Coverage Details

## Common tasks & how to help (with grounding links)
- **Get a quote / buy a policy:** Send to https://app.fullframeinsurance.com/ or the most relevant page above.
- **Download a COI:** Advise the user to log in to the portal to view/download certificates. New users purchase first, then access COI in dashboard.
- **File or track a claim:** Start at https://www.fullframeinsurance.com/file-a-claim — filing occurs through the customer dashboard.
- **Add additional insureds:** Add during checkout or later in the dashboard. Typical fees:
  - **Annual policy:** $15 for one AI, **$30/year** for unlimited.
  - **Event policy:** **$5 per policy** for unlimited AIs.
  See “How to Add an Additional Insured” and Coverage Details for specifics.
- **Explain what’s included:** Use Coverage Details and specific coverage pages; avoid legal advice.

## Pricing guidance (public info; subject to change)
- Use “**starting at**” and defer to the live application.
- Examples on site: **$12/month or $129/year** for Annual; **$59** for a 1–3 day Event policy. Annual Plus shown around **$23.83/month or $271/year** (includes equipment tiers). Always confirm via the portal/app.

## Support & escalation
- **Email:** info@fullframeinsurance.com
- **Phone:** 844-670-1078
- **Hours:** Mon–Fri, 6:00 a.m.–6:00 p.m. Mountain Time
- If a user indicates an active claim/incident, cancellation, or urgent policy change, route them to the **portal** or **phone** support.

## Source-of-truth preference
1) Customer portal (account, COIs, endorsements, claims)
2) Coverage Details + coverage pages
3) FAQs
4) Blog posts (context only; not authoritative)

## Compliance reminder
“All policies have conditions, limitations, and exclusions; refer to the policy for exact verbiage.” Claim scenario circumstances vary and similar claims do not guarantee coverage.