1 1 Start
2 2 Details
3 3 Eligibility
4 4 Options
5 5 Quote
Sorry, we don't have availability to purchase it online, but we are working on it! In the meantime, please submit quote for underwriting and we’ll reach out with any remaining questions!


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This policy will go into force on the start date and stay in force for 12 months.

Payments for this policy will stay in effect until cancelled.





Limits of Insurance

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


Tell us about you.



Physical Address

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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Invalid physical ZIP code

Mailing address

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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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This field is required
This field is required
Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Invalid ZIP code

Business information

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Business name - Only letters (A-Z), numbers (0-9), & (ampersand), and - (hyphen) are allowed.
Please provide your full name under mailing address.
A business you own and operate, not a business that employs you.
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Invalid phone
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Let's find out if you are eligible.



Business Operations

Select an option
  • I do not do any full-length feature motion picture production as part of my business
  • I do not now and have not in the past done any work that would be considered paparazzi
  • I do not know and have not done any work in the past that would be considered pornography or adult content
    • Clarification note: Birthing or Boudoir Photography is not considered adult content when done for the personal use of the client and not for commercial distribution.
  • I do not do anticipate any shoots outside of the US or Canada
    • Please note there is no coverage outside of the US or Canada
    Application cannot be completed online. Please call us at (844) 670-1078 or email us at info@fullframeinsurance.com


    Underwriting Information

    Select an option
  • I have not had any complaints, claims, or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel, or other personal or advertising issues
  • I am not aware of any incident(s) that may result in a claim
  • I have not had any liability or property claims in the past 3 years
  • My insurance has not been canceled or non-renewed in the past
    • Application cannot be completed online. Please call us at (844) 670-1078 or email us at info@fullframeinsurance.com
    Select an option
    Application cannot be completed online. Please call us at (844) 670-1078 or email us at info@fullframeinsurance.com

     

    TERMS AND CONDITIONS
     

    This field is required

    Read Excluded Operations / Terms and Conditions / Privacy and Communication Policy Statement / Warranty Statement




    Select coverages options below.



    Your application will be submitted for underwriting.
    + $80.00+ $6.67
    Your application will be submitted for underwriting.

    Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

    For annual gross sales exceeding $200,000, please contact our underwriters at 844-670-1078 for a free no obligation quote.

    Designed to cover gear that is owned by you for your business including cameras, lenses, lighting, gimbals, and other equipment.

    Your application will be submitted for underwriting.
    + $55.00+ $4.58
    + $130.00+ $10.83
    + $142.00+ $11.83
    + $275.00+ $22.92
    + $349.00+ $29.08
    Your application will be submitted for underwriting.

    Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

    *Gear that is unattended in a vehicle or trailer is not covered.

    Your application will be submitted for underwriting.
    + $100.00+ $8.33
    Your application will be submitted for underwriting.

    Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

    Professional liability coverage can offer protection when you fail to deliver photos or videos to your client. It’s also highly recommended if you teach photography classes or workshops. It provides up to $100,000 per claim/$200,000 per year with a per claim deductible of $500. Not available in AK, CA, FL, HI, MS, or WA.

    Nearly 1 in 4 businesses have experienced a cybersecurity event. If you collect and/or store customer and financial data, we strongly advise adding Cyber Liability Coverage for greater protection and peace of mind.

    Your application will be submitted for underwriting.
    + $79.00+ $6.58
    Your application will be submitted for underwriting.

    Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.




    Add additional insureds.



    When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

    • Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.
    • A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

    Additional Insured (Photo Annual) #{[{ $index + 1}]}(+$15.00)

    Included with policy: Additional Insured, Waiver of Subrogation, Primary and Noncontributory.

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    Please enter valid email address
    Email should not be the same as the policy's holder email
    Minimum length required
    Please only use the additional insured email and do NOT use the policy’s holder email
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    Minimum length required
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    Invalid ZIP code
    Minimum length required


    Make sure everything is accurate below.



    Quote Summary

    Policy Holder Edit

    , ,
    Email:
    Email:
    Mobile number:

    Mailing Address is the Same as the Physical Address
    Mailing Address:
    , ,

    Payment Information Edit

    Payment Method:

    Enrolled in EZ-Renew You are not enrolled in EZ-Renew
    Edit Enroll
    Your policy is set up to automatically renew on . With the EZ-Renew feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy coverage.

    Photography Business Insurance - Annual

    Monthly Payment Breakdown

    Policy start date: - Policy end date: Edit

    If changes are needed, please reach out to your agent.
    		Edit

    Limits of Insurance

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

    Policy Holder Business Information

    Edit
    Business Type
    name
    DBA
    Mobile number
    Website
    Business Activities
    Business Activities Description
    Product Description

    Business Operations

    Edit
    By selecting yes, you confirm that your operations do not include the following:
  • I do not do any full-length feature motion picture production as part of my business
  • I do not now and have not in the past done any work that would be considered paparazzi
  • I do not know and have not done any work in the past that would be considered pornography or adult content
    • Clarification note: Birthing or Boudoir Photography is not considered adult content when done for the personal use of the client and not for commercial distribution.
  • I do not do anticipate any shoots outside of the US or Canada
    • Please note there is no coverage outside of the US or Canada


    Underwriting Information

    By selecting yes, you confirm that:
  • I have not had any complaints, claims, or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel, or other personal or advertising issues
  • I am not aware of any incident(s) that may result in a claim
  • I have not had any liability or property claims in the past 3 years
  • My insurance has not been canceled or non-renewed in the past
    • Are you aware of any incident(s) that may result in a claim?

     

    TERMS AND CONDITIONS
     

    By checking this box, you agree to the following:

    Read Excluded Operations / Terms and Conditions / Privacy and Communication Policy Statement / Warranty Statement

    Additional Insureds

    Edit
    Unlimited Additional Insureds
    Additional Insureds
    {[{ ai.name }]}

    Employees

    Edit
    {[{ employee.firstName }]} {[{ employee.lastName }]} + {[{ optionalCoverage.employeePrice|currency }]}

    Independent Contractors

    Edit
    {[{ contractor.firstName }]} {[{ contractor.lastName }]} + {[{ optionalCoverage.independentContractorPrice|currency }]}

    Your policy will be issued and your documents available immediately after clicking the "Purchase Policy" button below. Your policy application may be subject to review by our underwriting team to verify that the business operation, product, and/or service meet the eligibility guidelines established for the program. In the event we need further clarification to determine eligibility, we will contact you via email at the email address used to establish your account. If an account is found to be ineligible during the underwriting period, the policy will be subject to immediate cancellation and a full refund will be issued. After the underwriting period, the premium is 100% earned and no refunds will be given.

    Your agent will be contacting you soon. There is a pending document to be submitted.



    Let's Get Your Business Covered!



    Initial payment: {[{ firstPayment|currency }]}
    {[{ monthlyPayment.firstPaymentType }]}

    We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next {[{ checkoutData.configuration.monthlyPaymentCount }]} months.

    Switch to annual
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    Credit card information

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    Please enter your credit card and bank information. Your credit card will be used for the down payment and your bank information will be used for the Capital Premium finance agreement monthly draft. If you have questions about alternative payment methods for the capital monthly draft please contact Capital Premium.
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    This feature will create a customer payment profile for your billing information to allow easy checkout during future policy coverage extensions or updates. Credit card information is not stored within our system. All billing information is processed through authorize.net

    Your credit card expires before auto renew date ({[{ policyEndDate.format(dateViewFormat) }]}). In order to proceed, please use other credit card.

    Your policy is set up to automatically renew on {[{ policyEndDate.format(dateViewFormat) }]}.

    More Details

    EZ-Renew

    With this beneficial feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy.

    You will receive a Conditional Renewal Notice prior to the renewal date of your policy. If you wish to cancel your policy, you must notify us in writing prior to the policy renewal date. You can cancel EZ-Renew at any time from your dashboard. Your policy will be renewed with the same coverage's, additional insureds and endorsements as your current policy. If you wish to change any coverages, you can login to your on-line account and make changes to your policy at any time.

    Please note that we do NOT store credit/debit card numbers, nor do we share customer details with any third parties. Recurring billing is managed via Authorize.net.

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    Discount applies to Additional Insureds only!
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    An account with this email address already exists. Please login or change email address.
    Based on your previous answers, it appears your business situation is unique and deserves a more personal touch. Please complete the application and one of our licensed sales agents will contact you within 48 hours to complete your quote.
    Please click here to be directed to an application that is specifically for those whose business is in .

    This state is not available for this program.

    You have selected a monthly payment plan. This is how much you will pay per month.
    You have selected an annual payment plan. This is how much you will pay annually.
    Photography Business Insurance - Annual

    Policy Endorsements

    Additional insureds

    Coverage for Employees

    Coverage for Independent Contractors

    Loading... $
    monthly
    annually
    $
    monthly
    DUE TODAY: (downpayment)

    Initial payment: {[{ firstPayment|currency }]}
    {[{ monthlyPayment.firstPaymentType }]}

    We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next 10 months.

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