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Our friends at Full Frame Insurance are here with a guest blog all about photographers insurance, and why you should get covered before your next shoot. Check in at the end for a sweet new SmugMug Perk, too!
Imagine you're at a beautiful outdoor wedding, capturing the perfect shot, when suddenly your camera slips from your hand. Accidents like these can happen to even the most careful photographers, which is why having reliable insurance is crucial.
You might think you don’t need photographer’s insurance because you’re “just taking photos.” However, unexpected risks can arise, and Full Frame Insurance (FFI) can protect you from costly out-of-pocket expenses.
Let’s say you’re setting up for a photo session when someone trips over your equipment and injures themselves. Or someone steals your camera or equipment out of your car.
Instead of paying for these pricey claims and fees out of pocket, photographer’s insurance can foot the bill and give you extra peace of mind, so you can keep focusing on capturing moments.
Most businesses and venues, such as those for wedding photographers, require liability insurance in case things go wrong during your photoshoots. Other photographers may need insurance for photographing state or national parks, doing school portraits, or freelance work.
Think of photographer insurance as a safety net against potential risks, even if you accidentally drop and break your camera, or you scuff up a venue’s floor with your tripod or other equipment.
FFI’s photographer’s insurance checks all the boxes for photography industries such as:
Depending on what and where you shoot, you may want particular kinds of insurance coverage for your photography business. Here are the most common types of coverage:
Things can go wrong at a photo shoot. People can get hurt, property can get damaged, and you could receive third-party claims, leaving you to pay for these expenses out of pocket. General liability is a layer of defense that can shield you from these claims.
Venues and events may also require proof of this insurance before you can start capturing moments. Most venues require at least $1 million in coverage while some need $2 million or more. FFI offers both.
It can be disheartening to invest so much in your camera equipment and then have it sustains damages or get stolen.
If your camera or equipment is stolen or damaged, this policy can prevent you from paying out of pocket for repairs or replacing your equipment.
You may come across unhappy clients or customers who are dissatisfied with your work. Or, you may have damaged SD cards and didn’t know until after the photoshoot. This coverage can combat these kinds of claims and lawsuits.
Storing client information on laptops and mobile devices can leave you susceptible to cyberattacks. This coverage can help fight lawsuits and provide legal fees so you don’t have to pay out of pocket should a breach of data security lead to a lawsuit.
Additional insureds are business owners or venues that request that you to add them to your insurance policy to protect them from third-party claims or damages during your photoshoot. You can get unlimited additional insureds for $30 with FFI’s annual policy or $5 with an event policy.
We at FFI understand how important your work is, and that’s why we’ve partnered with SmugMug to bring professional photographers everywhere the insurance to let you work with confidence. As a bonus perk, and in celebration of this new partnership, we’re offering SmugMug subscribers an exclusive discount. Click here to get yours!
