Photography Insurance
The most affordable insurance for photographers. Get instant coverage in less than 10 minutes.
- Camera equipment insurance up to $15,000 per item, $75,000 in total
- $2 million total coverage for general liability, $1 million per occurrence
- 1–3 day event policies for short-term coverage
Safeguarding Your Passion: Don't let gear malfunctions or theft hinder your photography journey - equipment coverage keeps you thriving
Who Needs Photography Insurance?
Annual Plus
Includes gear protection. Protects professional photographers for a full year.
$23.28 / month
- Cameras, Lenses, Gimbals Protected
- $1,000 per item / $5,000 aggregate
- Professional and Cyber Liability (Optional Coverage)
- $30 for Unlimited Additional Insureds
Camera Equipment Insurance Details
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$2,000 per item/ $20,000 aggregate + $75
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$5,000 per item/$30,000 aggregate (MOST POPULAR) + $87
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$10,000 per item/ $60,000 aggregate + $220
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$15,000 per item/ $75,000 aggregate + $294
* $250 Deductible
Annual Photography Insurance
Comprehensive coverage without equipment insurance
$12 / month
- Great for the full-time professional
- Additional Policy Options For Added Coverage
- $30 for Unlimited Additional Insureds
Annual Photography Insurance Limits
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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
Event Insurance
Basic one-day photography insurance or up to 3 days of coverage
$59/ 3 days
- $2M in General Liability Coverage
- Unlimited Additional Insureds
Event Photography Insurance Limits
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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 (for consecutive days)
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1-3 Days $59
Learn More About Photography Insurance
Coverage Details
General Liability Insurance for Photographers
2M Annual Limit
General liability insurance is the best place to start when it comes to protecting your business. General liability insurance can protect your photography business from the cost of third-party bodily injury and property damage claims. Your general liability insurance saves you money by paying your claims for you. If a customer were to injure themselves on your business equipment and sues you, Full Frame can help out with the cost.
Available on our Annual Policy: $2M Occurrence/$2M Aggregate (+$6.42/month).
Products-Completed Operations Aggregate Limit
$200,000 Annual Limit (Included)
A big part of your photography business is delivering a final product that really wows your clients. As much as you try, not every client will come away smiling as brightly as they did when you shot the photos. This coverage, included in our photographer insurance, protects you if an unhappy client makes a claim against you after the final photos are sent their way.
Camera Equipment Insurance
$75,000 Maximum Annual Limit (Optional)
Also known as inland marine insurance, camera equipment insurance can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on the job, and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.
A common camera equipment claim is you working with a model in your studio. While you’re photographing, the model’s loud, clumsy best friend arrives with lattes. Unfortunately, they trip and spill the drinks on a lens you set aside for later. With Full Frame Insurance, you can file a claim and get money for a new camera lens.
Professional Liability Insurance for Photographers
$200,000 Annual Limit (Optional)
Technology can be a fickle thing, and at Full Frame Insurance, we understand that some things are just out of your control. Professional liability can help when those unexpected technological failures happen. Our coverage can help protect your business from the cost of negligence claims that can arise from professional errors and omissions, such as faulty memory cards.
A common claim associated with professional liability insurance is when you prepare to upload the photos from the session at the end of a photoshoot, only to realize that you accidentally used a faulty memory card and all of the photos were lost. Full Frame’s professional liability insurance can help with the cost of this claim, allowing you to maintain your professionalism as a photographer even in an unfortunate situation.
If you teach photography classes or run demonstrations as part of your business, we strongly recommend this additional coverage option for claims that may arise in educational settings as well.
What Is Photography Insurance?
FFI provides commercial photographer insurance to photography business owners. Our policies include general liability, professional liability, and more. We offer insurance coverage to photographers who specialize in weddings, family portraits, fine arts photography, freelance work, school pictures, wildlife and landscape photography, and more. Check out our full list of photographers we insure here.
Photographer insurance is made for anyone who owns and operates a photography business. Claims are more common than you think and can cost you thousands of dollars in out-of-pocket expenses. Save yourself stress and money by protecting your business today.
Why Do I Need Photography Insurance?
Whether you run a professional photography business or are simply starting out as a freelance photographer, you face liability risks every day. Should something go wrong, you could be held liable for various hefty expenses, including medical bills, repair costs, and legal fees. Our professional photographer insurance is designed to help photographers like you weather the unknowns of each photoshoot.
If you rent studio space or any other location or plan to participate in events, you may be required to carry liability insurance. This is because many studios, locations, and trade shows need to be listed as an additional insured before you are allowed to work on their property.
Common photography insurance claims include:
The amount of equipment many photographers have on shoots increases the chance of a client tripping on business equipment and getting injured. Imagine dealing with a bodily injury claim that leads to medical costs in the tens of thousands. General liability insurance from Full Frame Insurance could mitigate or even eliminate these expenses.
Say you’re working at a studio. While taking photos you back up to get a better angle and accidentally bump into a lighting prop that falls and shatters an expensive mirror. Full Frame Insurance could help with the cost of replacing the mirror, up to the limits of your policy.
Social media can be a great tool to get your work out there and share ideas. However, you also have to be careful that your photos aren’t being used without your consent. If they are, then that could be copyright infringement. Full Frame’s general liability can help protect against the cost of this type of claim.
Your equipment is everything to your business. Without you, your business probably doesn’t exist. That’s why it’s important to add Camera Equipment Insurance coverage to your photographer liability insurance. Damaged equipment could eat into your profits and delay future business opportunities.
We know insurance can be overwhelming
Contact a photography insurance specialist for assistance today!
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.
Questions About Photography Insurance
What Types of Small Business Photography Businesses Does Full Frame Cover?
Whether you’re a seasoned photographer veteran with years of experience, or a newly started freelance photographer, if you perform your photography as a professional service you face risk and could be liable to pay hefty expenses in the event of an accident.
Full Frame’s Photographer Insurance plan provides professional photographers in a variety of industries with high quality coverage to protect themselves should an accident occur involving their photography business. Common professional photographer insurance that Full Frame provides include:
- Wedding Photographers
- Portrait Photographers
- Food Photographers
- Real Estate Photographers
- Event Photographers
What Kinds of Claims Does Photography 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.
How To File a Claim
- Log in to your Full Frame online user account
- Click “Manage Policies”
- Select “File A Claim”
- Fill out the required information
- Submit your claim
Does Photography Insurance Include Camera Equipment Insurance?
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.
Camera Equipment Insurance Options
- $1,000 per item / $5,000 aggregate $55
- $2,000 per item / $20,000 aggregate $130
- $5,000 per item / $30,000 aggregate $142
- $10,000 per item / $60,000 aggregate $275
- $15,000 per item / $75,000 aggregate $349
How Much Does Photography Insurance Cost?
Full Frame’s Annual Policy
For as low as $12/month or $129 per year, photographer insurance protects your business for an entire year with up to $2 million in coverage for general liability. You may include additional coverage for your business at extra cost. Additional coverage options include professional liability insurance, camera equipment insurance, cyber liability insurance, and more. If your business requires additional insureds, you may include them at any time for $15 per additional insured or $30 a year for unlimited additional insureds.
Full Frame’s Event Policy
Our event policy, which lasts 1–3 days, starts at just $59 for up to $2 million in general liability coverage plus an additional $5 for every additional insured included on the policy.
How Do I Add A Client Or Venue As An Additional Insured?
Adding an additional insured is as easy as 1,2,3!
- Login to your user dashboard
- Click “Add and Additional Insured”
- Fill out the information and ta-da! All complete!
Full Frame offers photographers unlimited additional insureds for just $30.
Can I Get One-Day Photography Insurance?
Yes! If you are a new photographer just starting out or only book 2 to 3 photoshoots a year, then one-day photography insurance is perfect for you. Our one-day photography insurance provides photographers with up to three days of coverage and includes unlimited additional insureds for $5 per policy. It also includes up to $1M per occurrence and $2M aggregate in general liability coverage. This policy option starts out at $59.
How Do I Get My Certificate Of Insurance?
Simply log in to your user dashboard and navigate to your policy documents. You can find your certificate of insurance there. Getting your certificate of insurance is instantaneous and can be delivered to your email.
How To Download Your Certificate Of Insurance
- Log in to your Full Frame online user account
- Navigate to “Policy Documents”
- Select which document you would like to download
- Click “Download”
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Your Options For Professional Photography Insurance
As a professional photographer, your business is not only your livelihood but your passion. Learn how you can protect that passion with photography insurance from Full Frame.
Why Your Business Needs Photography Insurance Right Now
The benefits of protecting your business with photography insurance far outweigh the expense. Protect your business today with an annual policy starting at just $129.
Your Options For Professional Photography Insurance
As a professional photographer, your business is not only your livelihood but your passion. Learn how you can protect that passion with photography insurance from Full Frame.
Why Your Business Needs Photography Insurance Right Now
The benefits of protecting your business with photography insurance far outweigh the expense. Protect your business today with an annual policy starting at just $129.
