Photography Insurance from $129/Year | Full Frame Insurance (2024)

Commercial Photographer

Freelance Photographer

Portrait Photographer

Real Estate Photographer

Special Events Photographer

Travel Photographer

Wedding Photographer

• Cameras, Lenses, Gimbals Protected
• $1,000 per item / $5,000 aggregate
• Professional and Cyber Liability (Optional Coverage)
• $30 for Unlimited Additional Insureds

An essential for photography business insurance, you can customize your camera equipment coverage, so you never have to pay for more than you need.

• $2,000 per item/ $20,000 aggregate+ $75

• $5,000 per item/$30,000 aggregate (MOST POPULAR)+ $87

• $10,000 per item/ $60,000 aggregate+ $220

• $15,000 per item/ $75,000 aggregate+ $294

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• Great for the full-time professional
• Additional Policy Options For Added Coverage
• $30 for Unlimited Additional Insureds

• General Aggregate Limit (Other Than Products – Completed Operations) $2,000,000

• Products - Completed Operations Aggregate Limit$2,000,000

• Personal and Advertising Injury Limit$1,000,000

• Each Occurrence Limit$1,000,000

• Damage to Premises Rented to You Limit (Any One Premises) $300,000

• Medical Expense Limit (Any One Person)$5,000

• $0 - $100,000 in Annual Sales$129

• $101,000 - $200,000 in Annual Sales$209

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• $2M in General Liability Coverage
• Unlimited Additional Insureds

• General Aggregate Limit (Other than Products – Completed Operations) $2,000,000

• Products - Completed Operations Aggregate Limit Excluded

• Personal and Advertising Injury Limit $1,000,000

• Each Occurrence Limit$1,000,000

• Damage to Premises Rented to You Limit (Any One Premises) $300,000

• Medical Expense Limit (Any One Person)$5,000

• 1-3 Days$59

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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).

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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.

Buy from $184/year

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.

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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.

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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: