Covering Photographers
& Their Equipment
Insurance for cameras, lenses, gear, and equipment. Business and equipment insurance in 10min or less.
A Snapshot of Our Coverage
Camera Equipment Insurance
Full Frame offers a variety of camera equipment insurance options that cover your gear –camera lenses, lighting equipment, camera bodies, etc– at home, in transit, and on the job, so you always have the protection you need wherever you go, saving you time and money.
Professional Liability Coverage
Technology can be unpredictable, so you can’t always anticipate a claim. When a faulty memory card loses a whole album of client photos, make sure you’re covered. Full Frame’s professional liability insurance can help with the cost of claims caused by faulty equipment and litigious clients.
Unlimited Additional Insureds
Do you need to add another business to your photography liability insurance certificate? Not a problem! With Full Frame, you can add unlimited additional insureds to your photography insurance for just $30. Additional insureds can include studios, venues, or national parks.
Your Business is Worth Protecting
Find out why over 10,000 photographers choose Full Frame Insurance
Full Frame Photography Insurance Policies
Protect your 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.
Annual Plus
$184/ year
- A+ Rated General Liability Coverage
- Multiple Equipment Coverage Options
- Extra Policy Options For Added Coverage
- $30 for Unlimited Additional Insureds
Annual
$129/ year
- Great for the full-time professional
- General Liability $1M/$2M
- No deductible for General Liability
Event
$59/ 3 days
- A+ General Liability Coverage
- Unlimited Additional Insureds
- No Equipment Coverage Included
What is Photographer Insurance?
Photography Insurance is a liability insurance plan designed by Full Frame to protect photographers from the risks associated with the photography industry. These risks include trip and fall accidents resulting in the injury of a client, property damage, loss of photography equipment, and more. Without liability insurance, these events could lead to thousands of dollars of financial loss.
Both of Full Frame’s event and annual photography insurance policies include general liability, which can protect photographers from many of the day-to-day risks they might face. Additional coverage options are available with Full Frame’s annual policy, including professional liability, camera gear insurance, cyber liability insurance and more.
What Kinds of Claims Does Photographer Insurance Cover?
Photography insurance helps protect photographers from financially damaging liability claims. Common liability claims that photographers face include bodily injury claims, which can occur when an individual is injured either during or as a result of your business operation, and property damage claims, which can arise when someone’s property is damaged as a result of your business operation.
Depending on the business, photographers often face additional claims, like negligence claims that can be covered by a professional liability policy, cyber liability claims that can be covered by a cyber liability policy, and business personal property claims that can arise when your gear is damaged or stolen. Full Frame’s annual photography insurance policy can include these additional coverage options according to your business needs.
Why Do I Need Photography Insurance?
Whether you run a professional photography business or are simply starting out as a freelance photographer, you face several liability risks every day as you perform your business operations at new locations and with a diverse array of clients. Should something go wrong, you could be held liable for a variety of hefty expenses, including medical bills, repair costs, and legal fees.
Photographer insurance is designed to help photographers like you weather the unknowns of each photo shoot. In addition, if you rent studio space or any other location, or plan to participate in events like trade shows to market your business, you may be required to carry liability insurance—and list the owners as an additional insured—before you are allowed to work on their property.
Does Photographer Insurance Include Gear Coverage?
Yes, Full Frame offers a variety of camera equipment insurance options that can be included into your annual Photographer Insurance policy.
Depending on the price of your gear and your specific coverage needs, you can insure your photography equipment for as low as $55 dollars a year for up to $1,000 in coverage per item or choose to increase your coverage to up to $349 a year for $15K in coverage per item.
Questions? We've got answers!
We understand that as a business owner you are responsible for setting up and booking photoshoots, creating an online presence, editing all your client’s photos, and more. We offer the solution you’ve been looking for with our customizable policies that can include camera equipment coverage, damage to premises rented, and more. As a customer of FFI, you can breathe easier knowing your gear is protected on location, at a studio, and anywhere in between.
