Coverage Details

COVERAGE LIMITS OF LIABILITY

Here is the link to the coverage details: https://www.fullframeinsurance.com/coverage-details

General Liability Aggregate Limit.......$2,000,000

The most your policy will pay for bodily injury and property damage claims occurring in the policy’s term that you become legally obligated to pay due to your business services.

Products-Completed Operations Aggregate Limit.....INCLUDED FOR ANNUAL, EXCLUDED FOR EVENT

The maximum amount your policy will pay for bodily injury and property damage claims occurring in the policy’s term that result from the products you use to perform your services.

General Liability Each Occurrence Limit........$1,000,000

The maximum amount your policy will pay for bodily injury and property damage claims for each individual incident.

Personal and Advertising Injury........$1,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False arrest, detention or imprisonment
-Malicious prosecution
-Wrongful eviction or wrongful entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person's right of privacy
-The use of another's advertising idea in your advertisement

Damage to Premises Rented to You Limit...........$300,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. AFTER 7 days the policy will only cover damage to the structure caused by fire.

Gear/Equipment Coverage Limit

Gear/equipment coverage is optional and must be purchased on top of the general liability policy. It can be purchased as an add-on policy. However, to buy Gear/Equipment Coverage, you must have a General Liability policy with Full Frame Insurance.  

 You may select your desired amount of equipment coverage to add on to the Annual policy:

• $1,000 ($1k) per item/ $5,0000 ($5k) aggregate +55 (Included in the Annual Plus option)
• $2,000 ($2k) per item/ $20,000 ($20k) aggregate +$130
• $5,000 ($5k) per item/$30,000 ($30k) aggregate - [MOST POPULAR]+ $142
• $10,000 ($10k) per item/ $60,000 ($60k) aggregate +$275
• $15,000 ($15k) per item/ $75,000 ($75k) aggregate +$394

We do not require a list of your equipment.

Equipment Coverage Deductible per claim (only applies to gear coverage and not liability coverage).........$250

Items or circumstances this policy is not designed to insure:

• Non camera or camera equipment, such as laptops.
• Rented equipment
• Equipment left unattended in Vehicles
• Vehicles or trailers
• Personal equipment also used for your photography 
• Water damages caused by working in, on, or around water

Can Full Frame policy insure rented equipment?

Full Frame insurance does not currently offer coverage for rented equipment.

Can I purchase Gear Coverage If I live in Canada, Puerto Rico, Guam, US Virgin Islands, American Samoa?

While gear coverage itself is a worldwide coverage, it can only be purchased by those living in one of the 50 United States. Purchases from the US Territories including Puerto Rico, Guam, The US Virgin Islands, US Samoa, and Canada are excluded.

Can I purchase a Gear/Equipment/Inland Marine Policy without having a General Liability Policy?

It is required to have a General Liability policy through Full Frame to be able to purchase Gear/ Equipment/Inland Marine coverage. While Gear/Equipment/Inland Marine coverage is its own policy, it is an add on to the Full Frame General Liability policy.

How to know if your equipment is insured:

While we cannot say whether something is covered here because there needs to be an investigation by the claims adjuster, photography and videography camera equipment insurance is designed to insure your cameras and other camera-related gear.

A claims adjuster determines coverage of your gear after carefully examining your policy.

If you are a photographer or videographer who travels to various locations, adding Full Frame’s equipment insurance to your annual policy is necessary to protect the tools of your trade.

We recommend that you read through your coverage to understand the policy, and if an incident has occurred, please file a claim.

While we do not offer an Equipment-only policy, we suggest that you check with a local insurance agent or agency for an Equipment-only policy.

Can I increase my liability limits?

At this time we are not able to offer more coverage than our standard $1,000,000 per occurrence and $2,000,000 aggregate for the general liability coverage. 

Coverage territory

Where can I purchase this policy?

This policy is available for purchase in every state except Missouri in the United States, but not it's territories or Canada. There are a few restrictions to keep in mind:

• Inland Marine/Gear Coverage: This coverage is available in every state except Hawaii.
• Professional Liability Coverage: This coverage is not available in California, Connecticut, Florida, Oklahoma, and Washington.
• International Coverage: This policy is not available for purchase outside of the United States. Including US territories such as Puerto Rico, Guam, US Samoa, and the US Virgin Islands

It's important to be aware of these restrictions when considering purchasing this insurance policy. If you have any further questions or need clarification, please don't hesitate to reach out to us.

Can I purchase this policy in US Territories such as Puerto Rico, US Virgin Islands, Guam, or US Samoa?

Full Frame Insurance and gear coverage is not available to purchase in the state of Missouri, outside of the US including any US Territories such as Puerto Rico, US Virgin Islands, Guam, or US Samoa. You need to live in one of the 50 US states, excluding Missouri to qualify for Full Frame.

Does Full Frame Insurance Cover Puerto Rico, US Virgin Islands, Guam, or US Samoa?

You need to be a resident of one of the 50 United States to purchase Full Frame Insurance, excluding coverage if you are based in Missouri. However, Full Frame coverage extends to the US territories such as Puerto Rico, US Virgin Islands, Guam, or US Samoa. 

Policy coverage abroad

If you are traveling outside of the United States the following coverage applies

• Gear coverage - Your equipment is fully covered outside of the United States.
• Liability - Liability coverage is not available outside of the United States and Canada.

Where can I use this policy?

When it comes to the general liability portion of this policy, it can be utilized anywhere in the USA and Canada, covering all of their respective territories

But what about the Gear coverage? Well, you'll be pleased to know that this part of the policy can be used anywhere in the world. 

Pro tip: If there is an incident where a claim will be filed for theft or other crime, please make sure to get a police report as soon as possible.

Automobile (auto or car) Liability Insurance

This article explains how this policy does not offer car/auto insurance.

Does Full Frame insurance provide any automobile liability/car insurance?

At this time, we do not provide auto insurance. We recommend that all vehicle owners consider obtaining automobile liability insurance to safeguard themselves and others on the road.

What is auto/car insurance?

Automobile liability insurance is coverage that helps protect drivers from damages or injuries they may cause to others while operating a vehicle. It typically includes two main components

1. Bodily Injury Liability: This coverage pays for the medical expenses, rehabilitation costs, and legal fees of individuals injured in an accident where you are at fault.
2. Property Damage Liability: This coverage helps repair or replace property, such as vehicles, buildings, or other structures, damaged in an accident for which you are responsible.

Is it important to have car insurance?

Given the importance of automobile liability insurance, we highly recommend contacting a local insurance agency to discuss and obtain an appropriate policy for your needs. Local agents are well-versed in the specific regulations and coverage options available in your area.

They will be able to explain the various types of automobile liability insurance policies, answer any questions you may have, and help you select the policy that best suits your requirements.

Remember, automobile liability insurance is typically a legal requirement in most jurisdictions and is essential for responsible vehicle ownership.

For further information or to discuss other insurance options we provide, please do not hesitate to contact us. We are here to assist you in any way we can.

What is FFI designed to insure?

 

Full Frame Exclusions/Ineligible operations

While it’s the goal of Full Frame Insurance to provide all photographers and videographers with insurance, some businesses may fall outside of our program guidelines; at times, Full Frame Insurance may deny coverage. You may be denied if any of the following exclusions apply to you or your business

The following operations are not designed to be insured under this policy:

• Any insured that does production for film, movies, TV, or streaming 
• Any insured that does full-length feature motion picture product as part of your business
• Anyone currently, or in the past, that has performed any work that would be considered paparazzi
• Anyone currently, or in the past, that has photographed or filmed any work that would be viewed as pornographic 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.
• Any insured that has 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
• Any insured that has been cancelled or non-renewed in the past 3 years
• Any insured that has had any claims exceeding $5,000
• Any insured that will do or anticipates doing shoots outside of the U.S. or Canada.
• Residence living outside of the United States including Canada, Puerto Rico, Guam, US Virgin Islands, American Samoa. 

What is not covered/cannot be added to the policy?

Renters insurance is not covered.

Can drone operations be covered under the policy?

At this time we do not currently offer coverage for drones. Drones are becoming increasingly popular for both personal and commercial use, but they also come with unique risks and liabilities. If you are planning to operate a drone, it is important to make sure you are properly covered in case of accidents or damage.

We recommend searching for a local insurance provider who specializes in drone insurance policies. They will be able to offer you tailored coverage options that meet your specific needs and requirements. Whether you are using a drone for photography, delivery, surveying, or any other purpose, it is crucial to have the right insurance in place.

Don't wait until it's too late – protect yourself and your drone operations with comprehensive insurance coverage. Stay safe and fly responsibly!

Does this policy cover the use of my equipment when it is being used during airborne operations?

Property coverage does not cover any claims that occur while property is airborne.

Does professional liability come with the policy?

Professional Liability coverage is not included. (Can be added to the policy for an additional fee.)

Does this policy come with the gear coverage?

Gear and Equipment coverage is not included. (Can be added to the policy for an additional fee.)

Gear coverage cannot be purchased if you live outside of the United States.

Is this policy designed to insure rental equipment?

This policy is not designed to insure any form of rental equipment. If you are planning to rent from a rental company we suggest finding a policy that is designed to insure rental equipment. We recommend seeking a local agency for such a policy.

Does FFI insure rental companies?

This policy is not designed to insure rental companies. If you are planning to rent from a rental company we suggest finding a policy that is designed to insure rental equipment. We recommend seeking a local agency for such a policy.

I've added a rental company as an additional insured, how can I update this COI?

At this time we don't insure rental companies so we are unable to assist in creating a COI for this entity. 

Can rental companies be added as additional insureds?

At this time, because we are unable to insure rental companies, they cannot be added as an additional insured. 

Does this policy cover water damage?

This policy is not designed to insure "standing water" damage. What does "standing water" mean? Standing water is a term for a permanent or temporary body of water. This includes but is not limited to lakes, rivers, oceans, streams, floods, etc. If you plan on taking pictures of filming near any such bodies of water and are looking to be insured for damage to your cameras or equipment, we recommend getting a policy designed to insure water damage. Such policies can be found through a local insurance agency.

Can Equipment or Gear coverage be a Stand alone policy?

No. You must purchase a Full Frame General Liability policy to be able to purchase an Equipment/Gear policy with Full Frame. 

WHO IS/is not AN INSURED

Who is an insured?

An insured is the the individual who owns the company or who is the sole proprietor, the people who own a business set up as a partnership and their spouses. If the business is an LLC it is the owners and managers along with any W-2 employees (not independent contractors). If the business is a corporation then the owner and shareholders along with managers and employees.

Who are not insureds?

According to current regulations, individuals classified as 1099 workers are not eligible to be added to someone else's insurance policy, However, they have the option to purchase their own insurance policy.

Can I insure my team?

This policy may or may not be able to insure your "team". If your team consists of employees or other people who are on your business license, the answer is yes. If your team consists of 1099 independent contractors or just a group of people who have gotten together to take pictures or film something, each individual contractor or person would need their own policy. 

What coverages or policies can I get outside of the Full Frame website?

Coverages and policy that our partners and us can provide:

Can you provide workers comp?

While Full Frame insurance does not offer workers compensation, our partnership team Insurance Canopy does. To get started, here is the link to the Workers' Compensation application: Click here! One of our partnering agents will get back to you within 3 business days (usually sooner) with a quote. Because the price of the policy varies, we are not able to offer a price range for the policy.

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy.

Coverages and policies that our partners and us cannot provide:

Is excess or umbrella available with Full frame insurance?

First, it is appropriate to quickly review what excess and umbrella insurance are. They both do the same thing by increasing the liability coverage the policy has. For example, if you purchased a policy with one million dollars per occurrence and two million dollars in aggregate but needed to increase one or both of those limits, an excess/umbrella policy would be the best option. The only difference between the two policies is that excess keeps all of the same policy terms as the main policy has, while the terms are slightly different from the umbrella policy. 

Now for whether we can add excess or umbrella coverage with the Full Frame Insurance policy. At this time, we do not offer excess or umbrella options at this time. If needed, try reaching out to a local agency to see if they would be able to offer additional coverage on top of this policy.

Can I get my gear coverage increased through Full Frame or its associates?

At this time, Full Frame and its partners are unable to offer the gear coverage in excess of $15,000 per item of $75,000 total. If more coverage is needed, we recommend seeking a local agency.

Does Full Frame Insurance Currently offer a Monthly Payment Option?

The Full Frame Annual policy has a monthly payment option. The first payment will consist of the first and last payment, plus any taxes and fees. 

What is the UTA fee?

The Universal Trade Alliance (UTA) is a rebrand that will help us be more compliant with the insurance industry's rules and mandates while also building something that can add value to our customers' experience with us. It gives our members more tools and resources to start, grow, and protect their businesses, so they can turn their passions into professions.

The main benefit of the UTA is the insurance we provide, but it also allows us to provide additional benefits like discounts on services. An additional benefits section on the customers' dashboard will have a PDF with benefits and discount codes exclusive to UTA members. Benefit features may not be up yet on the Dashboard. If you don't see it listed on the DB, it is not up yet or available.

The UTA fee is currently on ALL products. It has replaced the agency fee, or the RPG fee that used to be listed on the Declarations page (proof of insurance). It is not a new or additional fee.

New customers

About Full Frame

Full Frame Insurance is an online insurance provider designed specifically to help photographers and videographers across the nation. With event policies starting at $59 and annual policies starting at just $129 a year or $12 per month, Full Frame has the high-quality, low-cost insurance you need to create a financial safety net for your business. We've helped thousands of business owners protect their businesses from the cost of claims.

Once you purchase your photography or videography insurance policy through this website, it will become active on the date that you selected during the application process. After your payment is verified, the policy documents will be automatically emailed to you. You'll then be able to access your Full Frame user portal, where you can view and print your insurance certificate and documents. Additionally, you can add additional insured parties and manage your account online around the clock. will activate on the date you selected on the application, and policy documents will automatically be emailed to you after the payment is verified. You will have access to your Full Frame user portal, where you can view and print your insurance certificate, documents and add additional insureds, while also managing your account online 24/7.

What liability rating does your insurance company have?

We offer low-cost insurance plans through our partnered carrier, Fortegra. Fortegra is an A- -rated insurance provider known for their financial stability and excellent customer service.

What liability rating does your carrier have?

The carrier (Fortegra) of the policy has an A- rating with AM Best.

What type of policy is this...claims made or occurrence form?

Full Frame Insurance is a legitimate business that offers an occurrence-form policy managed by Insurance Canopy. Under the “occurrence” form policy, you are covered for alleged acts of negligence that occurred while the policy was in effect. It does not matter if the coverage is in effect at the time the claim is made. The benefit of occurrence coverage is that even if you cancel your policy at some future date, you will still have coverage for events that occurred while the policy was in effect. For example, you buy a policy in 2014, treat Client A in 2014 and terminate the policy 2015. In 2016, Client A sues you for an incident that occurred in 2014. You are covered, because you were insured when you treated Client A. With an occurrence policy, it does not matter if you are covered when the suit is brought.

What do we do with your email?

We may keep the emails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public website, this communication may not be secure.

If you have filled out an application, you will have agreed to our email/phone use statement. If you have filled out the first step of an application, provided Full Frame Insurance with your email, and did not complete the application, we may send you a single email reminding you of your unfinished application.

You can unsubscribe from Newsletters & Misc. Marketing Emails by clicking the unsubscribe link at the bottom of the email.

Contact information

Phones - We can be reached in a variety of ways. For things that require a lot of explanation, we offer our phone services. They are here Monday-Friday from 6 AM to 6 PM MST. Here is the number: (844)670-1078. 

Chats - The chat feature is currently being used. The chat  We offer 24/7 access to our chat feature. If this automated chat feature cannot resolve your question(s), it will pass you to a live agent during business hours (Monday to Friday, 6 AM to 6 PM MST). We will reply during the next business day if it is after hours. 

Email - [email protected] 

Business hours

Our business hours are 6 AM to 6 PM MST. During those hours, we will be responding to emails, answering phone calls, and will have a live agent helping with chats in the occasion when the chatbot is unable to answer a question.

Manage your online account and policy documents

Do I have an online account?

With this online policy, an online account is automatically created for our policy holders once a policy has been purchased to allow them to manage their policy and access their documents. The log in button is located in the top right corner of the Fullframe webpage or you may click here: Login

How do I log in to my account?

To log in to your account, click on the Login button located in the top right corner of the Full Frame webpage. Enter your email address used to purchase the policy.

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

How do Reset my password?

If you need to reset your password:
1. Click on Forgot Password.
2. Enter your email address
3. A link to reset will be sent
4. The new password must have at least eight characters.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts can be found on your dashboard under "My Policies." Double click on the document to download and/or print the document.

So you want to get started with the purchase of your policy. Where to start.

Eligibility

A common question among potential policyholders is, "Am I eligible to get this policy?" Others ask, "What type of operations are insured under this policy?" To better understand the answer to these questions, we first need to know how an insurance policy like this one works. Many people think that the language of an insurance policy will specify every case where a policyholder would be covered. This is simply not the case. It would be impossible to list every single scenario where a claim could be made. Instead, the language of a policy is much more broad.

A policy will identify a group of people whom the policy is designed to insure. For example, the group of people this policy is intended to insure is the photography/videography industry. Then, the policy begins to cut out and exclude certain groups of people from that main group of people. With the Full Frame the following groups of people have been excluded:  

• Anyone currently, or in the past, that has performed any work that would be viewed as adult material.
• Anyone currently, or in the past, that has performed any work that would be considered paparazzi.
• Any insured that has 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.                              
• Any insured that has been canceled or non-renewed in the past 3 years.
• Any liability or property claims in the past 3 years.
• Residents of US Territories including Puerto Rico, Guam, US Virgin Islands, US Samoa, and Canada are excluded from purchasing the policy. 

There are other exclusions to the policy as well embedded within the policy. Take, for example, the unattended vehicle exclusion. This exclusion says that the policy will not extend coverage if there is an incident of theft from equipment left in a vehicle or trailer. If that is part of your business practices, the equipment will need to be removed from your vehicle, or there will not be coverage in case of theft.

Where can I get more information about what is on the policy?

The best place to get information about the policy is from the policy itself. We offer sample policies for both our annual and our event policies. We invite those interested in the policy to go over the policy and ask our agents if there are any questions. Our website is also full of information.

How do I speak to an agent?

A live agent for Fullframe can be reached during our business hours Monday -Friday 6am to 6pm Mountain standard time via chat or by phone.

What are some of the timelines regarding the policy?

1. It takes 5-10 minutes to purchase (order time). Your payment is withdrawn immediately when the application is submitted.
2. It takes less than 5 minutes to access your policy documents or to make changes to your documents through your dashboard.
3. Our Typical turnaround time for emails sent to us is about 1 business day (up to 3 business days).

How far out can I purchase the policy?

Our event policy allows the policy to be purchased within 6 months of the start date and the annual policy can be purchased with 3 months of the start date. The payment is taken when you submit your application and coverage begins on the date that you choose. We are in the process of making this policy available up until the master policy renews.

How long is this policy good for?

When it comes to the duration of the policy, we offer 2 options, the Event or Annual policy.

Please note that if you are planning on having an event that will last more than 3 consecutive days or are planning multiple events through out the year, it might be more cost effective going with the annual policy.

What if I need coverage for only a week? What would be the best option for me?

If coverage is needed for more than 3 days in a row, we recommend going with our annual policy as it will mostly be the most cost-efficient means of getting this policy. 

How to purchase Full Frame Insurance

How do I purchase the policy?

To purchase a Full Frame policy or to get a quote, click on any "Buy/Buy Now" button to get started.

1. Select the policy you would like to purchase: Buy Event Policy (1-3 day) or Buy Annual policy. 
   You will then be directed to our online policy application form.
2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
3. At the end of the form, view your quote and select purchase policy. You will be charged once you submit your online application.

On the application the Policy Holder Information will be your information or the name of the individual/business that needs to be insured.

Do I need to have a business?

This policy can insure an Individual/Sole proprietor, LLC, Corporation and/or Partnership/Joint venture. If you do not have a registered business, your business type would be an Individual/sole proprietor.
If you change the structure or business type of your business after the policy has been purchased, please send us an email at that time with your request.

Pricing/payment information

How much does the policy cost?

The event policy starts at $59, and our annual policy starts at $129 for an entire year. To get started with the application, click the "Buy" button for the desired policy anywhere on the website. *Pricing may increase depending on taxes and fees and any additional add-ons selected on the application or any time after purchase.

• Starting at $129 a year, we offer our annual policy. This policy will give you a full 365 days of coverage. 
• Starting at $59, we offer our event policy. This policy is good for 3 full consecutive days (days in a row). 

The application is quick and simple. If you get stuck on a question, please do not hesitate to reach out.

Can I get a quote?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page.  If your application session times out, please restart the application or contact us for assistance.

Can I get a quote sent to me via email?

Because this policy is purchased from our website and is customizable, we do not offer quotes at this time. The final price is calculated through the online website and will be based on the selections made in the application. This helps to ensure that your price is for the exact policy that your business needs. To get started, click the buy button.

How will I know what the final price is?

To simplify the process of determining the final price, we have designed user-friendly applications. These applications take into account your business's specific requirements and calculate the policy's appropriate cost accordingly. Whether you opt for the event policy or the annual policy, our applications have proven to be efficient in providing accurate price assessments. Click here to get to the application for the event policy, or click here for the annual policy application.

How do I know if the payment went through/if the policy has been purchased?

A confirmation screen will appear upon submitting the online application, and a confirmation email containing your policy documents will be sent. You may also download your receipt showing the date and amount. When the policy is purchased, it creates an online account or dashboard. By going to this dashboard, you can download documents and make changes to your policy as needed.

Do you offer monthly payments with the annual policy?

Yes we do! The initial payment includes the first and last month's payment plus any fees and taxes. The taxes and fees may vary depending on your state and is calculated at the checkout section of your application. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

Can my price go up?

Yes, the answer to this question is both yes and no. The price of a policy can indeed increase from year to year as insurance companies adjust their rates to account for factors such as inflation, changes in risk factors, and overall market conditions. As these factors change over time, the price of the policy may be adjusted accordingly at the time of renewal. However, it is important to note that the price of a policy cannot increase during the policy period that it covers.

What types of payment do you accept?

We accept debit and credit cards with a valid U.S. billing address for all purchases made on our website. Please note that we do not accept any other forms of payment, including cash, PayPal, or payment information provided over the phone or email.

For security reasons, we require a valid U.S. billing address to process your payment. Please ensure that the billing information provided matches the details associated with your card to prevent any delays or issues during checkout.

Once your payment is successfully processed, you will receive a confirmation email with the details of your purchase. If you encounter any problems or have inquiries regarding payment methods, feel free to contact our customer support team for assistance.

How do I view or add/change my payment information on my account?

To edit the payment option under your account:

1. Login to your dashboard (AKA your online account)
2. Click the “Payment Profiles” button under the “My Profile” section
3. Click on “Update” to add a different card to your account or to modify an existing card OR
   Click on “Add new card” if you would like to add a card to your account
4. Enter Card information
5. Click the Submit/Update button
   *If you have multiple cards on file, select "Add card to policy" for the card you wish the system to charge. You may also delete any cards on file that you no longer wish to use.

Do you have any Special Pricing, coupons, Discount codes?

We do not have any special pricing, coupons, or discount codes available at this time Our policies are sold at a significant discount already since they are online based.

Can I purchase Full Frame Insurance if I live outside of the US?

Full Frame Insurance and Gear coverage can only be purchased if you live in the United States. Residents of US Territories such as Puerto Rico, Guam, The US Virgin Islands, US Samoa, and residents of Canada are excluded from purchasing Full Frame Insurance and Gear Coverage.  

Current customers

Manage your online account and policy documents

Do I have an online account?

With this online policy, an online account is automatically created for our policy holders once a policy has been purchased to allow them to manage their policy and access their documents. The login button is located in the top right corner of the Fullframe webpage or you may click here: Login

How do I log in to my account?

To log in to your account:

1. Click on the Login button located in the top right corner of the Full Frame webpage.
2. Enter your email address used to purchase the policy.

How can I check if my policy is active?

There are a few ways to check if your policy is active. First, log in to your online account using the email address used to purchase the policy. Click on "My Policies." Look for the policy period dates

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

How do Reset my password?

If you did not set up a password or need to reset your password:

1. Click on Forgot Password.
2. Enter your email address.
3. A link to reset will be sent.
4. The new password must have at least eight characters.

How to update your address, email address, DBA, phone number, or website on your policy.

1. Log in to your online account.
2. Once you are logged in, scroll down to the "My Profile" section on your Dashboard.
3. Look for the "Edit Personal Info" button and click on it.
4. Here, you can make changes to your first and last name, as well as your address.
5. After making the necessary edits, click the "Save" button to submit your changes.
6. The new information will automatically update on your account and policy documents.
7. If you do not see the updates reflected on your documents, try refreshing the page and checking again.

I changed my personal/sole proprietor name, business name and type, how do I update that?

If you have an active policy, you cannot change your business name from your account. If you have not already sent the following, please reply to this email with:

1. Your name
2. Policy number
3. New business information
4. An agent will update it for you.

Please allow up to 3 business days from when we receive the above information for a response. Also keep in mind that these policies are non-transferable. If you sold your business or the business ownership has changed, the new owner would need to purchase their own policy. The new business owner would fill out a new application on the website to purchase a policy. 

How do I change the date of my policy after I already purchased?

If the policy is already in effect, the policy start date cannot be changed. The policy would need to be canceled and purchased new. If you have not given us the date and you would like us to change your policy start date to, please reply to this email with your request. Once requested, please allow 3 business days for us to respond.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts are under the "My Policies" button on your dashboard. Double-click on the document to download and/or print the document. Expired policies on your account can also be viewed. For specific questions about your current or renewing policy, please contact us by phone or email.

A copy of your current or expired policy (policies) can be found on your online account.

What is an endorsement?

An endorsement is an add-on to your policy.  Often this will be a requirement from a client or Additional Insured/Certificate holder that you may do business with. For adding an Additional insured/Certificate holder we use a standard ACORD form called a Certificate of liability (COI).

What are the endorsements that you offer?

Additional Insured/Certificate Holder endorsement options:

• Retailer/Distributor/Vendor (Additional Insured Vendors (CG 20 15))    
• Landlord/Employer, Event/Show  (Designated Person or Organization (CG 20 26)) 
• Owners, Lessees, Contractors  (Ongoing Operations (CG 20 10)) 
• Landlord/Employer - The Landlord/Employer additional insured type is used when your landlord is requesting to be added to your policy. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.
• Retailer/Distributor/Vendor - This is an endorsement to the manufacturer’s or supplier’s commercial general liability policy, protecting you when selling or distributing items on behalf of a manufacturer, or sourced from a supplier, particularly when the supplier is providing goods manufactured offshore. The Insurance Services Office, which advises insurance companies, created the additional insured–vendors endorsement (CG 2015) which covers liability arising from the sale of a product. This endorsement creates a CG 2015.
• Event/Show - This endorsement is designed to add the event or show your business is participating in. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.
• Additional insured, Owners, lessees, or contractors -  The CG 20 10 covers the additional insured with respect to liability caused by your ongoing operations. “Ongoing operations” does not include “completed operations.”

How do I add an event, additional insured or get a certificate of insurance?

To add an additional insured or location, please follow the steps below:

1. Login to your dashboard (ie your online account)
2. Click Add Additional Insured
3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners,
   Lessees, Contractors.
4. Fill in the Additional Insured name and address with the information of the person requesting the additional
   insured document
5. When the email box has been filled (optional), the additional insured document will be sent to that email
   immediately upon submission.
6. If the description of operations needs something in it, please reply to this email.

How much does the additional insureds cost to add on?

Additional Insureds (AIs) cost differently on both the event and annual policy. It is $5 for unlimited Additional Insureds on the event policy. For the annual policy they are $15 for the first one and then an additional $15 ($30 total) for unlimited.

Important disclaimer for additional insured: An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level. Adding additional insureds is done to include landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. 

What is an additional insured?

Adding additional insureds is done to include landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

Other names additional insureds go by:

• Certificates of insurance (COI)
• Acord forms
• Certificate
• Certificate holder

Here is a sample of the Certificate (COI) that is provided once an Additional Insured is added. Sample COI

A certificate of liability insurance is a document that proves you have general liability insurance coverage. It is also called a general liability insurance certificate, or an ACORD 25 form. This document includes details about your policy and coverage limits.

The Certificate of liability (COI) is a different document than your Proof of Insurance (declarations page).

After I have added an additional insured, how do I get a copy of my additional insured document?

To obtain a Certificate of liability (COI)/Acord form please add an Additional Insured. Once added, a certificate of liability (COI) will generate on your online account and also be emailed to the email provided.

How do I add new additional insureds during the application process?

The additional insured can be added during the application process. Once the policy has been purchased, the additional insured can be retrieved in the online account/dashboard.

What is not an additional insured?

An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

What is the "description of operations?"

The description of operations enables you to add more information about the additional insured that cannot fit under the "certificate holders" box. For example, multiple other additional insureds, entities, location/event dates, or other information regarding the event or landlord.

How do I add verbiage/text in the description of operations?

Occasionally additional verbiage is requested by the certificate holder to be added to the description of operations section of the certificate of insurance (COI). When this is the case, please add the additional insured and send us an email with the requested verbiage. If you have already sent us the verbiage you would like to be added, please allow 3 business days for us to respond to your request. If you have not sent us that information, please reply here with that information.

What verbiage/information should be placed in the description of operations?

The certificate holder will be the one requesting if there should be anything added to the description of operations. If they are requesting to have something added to the description of operations, please add them as an additional insured. If you have already sent us the verbiage you would like to be added, please allow 3 business days for us to respond to your request. If you have not sent us that information, please reply here with that information.

The event wants the description of operations to be written specifically how they want it. Is this possible?

Depending on the verbiage the event wants on the certificate, we may or may not be able to add it. If they are requesting to have something added to the description of operations, please add them as an additional insured. If you have already sent us the verbiage you would like to be added, please allow 3 business days for us to respond to your request. If you have not sent us that information, please reply here with that information.

How do I edit my certificates/additional Insured (s)?

If you have not sent us the following information, please reply to this email with:

• Your policy number. It will start with "FVP"
• The name of the certificate that needs to be changed
• An explanation of the changes that need to be made

Please allow 3 business days for us to respond. If there is a need to remove an additional insured from a renewing policy, it can be done by simply logging into the policy and clicking on the update button. This action must be taken within 30 days of the policy's renewal date.

Can additional insureds be removed?

Additional insureds can only be removed when the policy is renewed. Once an additional insured has been added, they become a part of the policy they were added to. However, in the case of a policy that is being automatically renewed, these additional insureds are automatically included in the new policy.

Why does my personal/home address show on my COI instead of my business address?

The policy is not location specific so only your physical street address will show on your policy documents and COI's. If you want your business address to show instead, you may edit that from your online account.

Third Party Request

Unfortunately, the documents on file for the customer do not meet the insurance requirements. Deficiencies in the current insurance docs are outlined below. Please submit corrected documents to address the following issues:

We have received your request for updates and/or documents and it has been sent to our specialty team for review. They will set up documents or verbiage the policy coverages allow for, let you know about any required coverages that may need to be added, and explain any coverages the policy does not offer. They will reach out in 5-7 business days with any next steps.

Which Endorsements can be added after purchase for an Additional Insured/Certificate holder?

There are multiple endorsements that can be added to the additional insured endorsements at an additional cost. Here is a list of those endorsements, along with their additional costs:

The Primary Noncontributory endorsement (CG 20 01) costs an additional $20. The “primary and noncontributory” wording your insurance must pay first (primary) without seeking the additional insured's liability insurance to pay (noncontributory). In short; if there was a claim where both the insured and additional insured parties were involved, this policy would pay first. If the payout were to reach this policy's limits, the additional insured's policy would begin to pay.

The Waiver of Subrogation (CG 24 04) is an additional $20. A waiver of subrogation is a contractual provision whereby you waive the right of your insurance carrier to seek redress or seek compensation for losses from a negligent third party (additional insured).

A Loss Payee (Rented Equipment Excluded) is an additional $25. A lenders loss payable endorsement is a commercial property policy endorsement that gives a creditor of the insured that has loaned money in connection with the insured's personal property the same rights and duties that a mortgage clause gives a mortgagee.

How do I add a primary noncontributory, loss payee, or waiver of subrogation endorsement?

1. Please log in to your account.
2. If you have not already done so, add the additional insured.
3. Click on the "My Policy" button.
4. Then, click on the "Add Endorsement" button.
5. Select the endorsement you desire.
6. Fill out the required form.
7. After submitting, one of our agents will review and approve the endorsement. We will then send you an email stating that you can purchase the endorsement. Please log in again and make the payment for the endorsement.

When can the Cyber or Professional liability coverages be added to my policy?

To obtain the Cyber liability endorsement, it is an additional $79. Cyber insurance is designed to protect the policy holder's company from:

• Data Breaches
• Malicious codes on your computer systems
• Unauthorized access to your - *computer system
• Ransomware
• Extortion Threats
• Fund Transfer Fraud

To obtain professional liability insurance, it will be an additional $100. Professional liability insurance, also called errors and omissions insurance (E&O) or indemnity insurance, protects the policyholder's business if sued for negligence in performing professional services, even if a mistake has not been made.

How can I add the cyber liability coverage or the professional liability insurance to my policy?

1. Login to dashboard.
2. Click the "Change policy options" button.
3. Select the amount of professional liability coverage needed.

What are some endorsements or other policies that cannot be added through this website but are an option through some of the partners of this brokerage?

Workers compensation (AKA Workers comp or simply WC)

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy. To get started, here is the link to the Workers' Compensation application: https://app.insurancecanopy.com/application/workerscompensation. One of our partnering agents will get back to you within 3 business days (usually sooner) with a quote. Because the price of the policy varies, we are not able to offer a price range for the policy.

Renewal questions

Is my policy going to renew?

When you purchase an Annual policy, you are automatically enrolled in the auto-renew option or EZ-Renew.  If you want to turn off the auto-renewal option, that can be done any time after purchase by:

1. Login into your Dashboard
2. Click the :My Policies" button
3. Cancel EZ-Renew.

How do I make changes to my renewing policy?

Your policy can be renewed 30 days before its expiration date. During the 30-day period, an "Update Renewing policy" button will appear at the top of your Dashboard. Click on the button to edit your renewing policy.

Can I renew my policy early?

Yes, you may renew your Annual policy early. Here's how to do that:
1. Turn off the EZ Renew under "My Policies."
2. Go back to your Dashboard and click on "Renew policy" or "Add Policy". 
The process to early renew is the same as manually renewing the policy. Proceed through the application and submit your payment.
3. Your renewed policy documents will be emailed to you and also available from your Dashboard.

How do I renew my expired policy?

If your policy has expired, the steps to renew will be the similar to purchasing a new policy. Here is how to renew your expired policy:

1. Log in to your online account
2. Click on the "Add a policy" button.
3. Fill out the application.
4. The application will fill in your personal information. 
5. Additional Insureds would need to be re-added if needed.

Issues renewing 

If you are having issues renewing your policy it could due to one of the following reasons:

1. Automatic payment failed and you need to update payment information.
2. Information provided for the renewal is incomplete or incorrect.
3. Issue with an application such as date on the application is incorrect.
4. Temporary system issues on our end, in which case please wait and try again.

Claims

How can I file a claim?

To file a claim please follow these simple steps:

1. Login to your dashboard (AKA your online account)
2. Click the “File a Claim” button
3. Fill out the claim form
4. Submit the claim form once finished
5. Receive and respond to the email sent from the claims adjuster.

If you have any questions about the instructions above, please let us know. If you have already submitted a claim and want to follow up, please send an email to [email protected].

How to know what the policy is designed for and what it is not designed for.

Your business insurance policy is specifically designed to meet your business's liability needs. This means that if, during your business operations, your business is held responsible for causing damage or injury to a third party, and the policy does not exclude such activities, you will have coverage for such an incident. Your policy is designed to fulfill the liability needs of your business. This means that if, during your business operations, your business is responsible for the damage or injury of a third party, allowing the policy not to exclude such activity, you would have coverage for such an incident.

Claims questions on the application.

The following are exclusions in the policy and will make the applicant ineligible to get the policy if applicable:

• Any insured that has been canceled or non-renewed in the past 3 years.
• Any insured that has had any claims exceeding $5,000.

How can I get a Loss Runs report?

To request a loss runs, please call or email us. Once an agent submits your request, it takes between 5-7 business days to receive the report from the insurance carrier.

What is a loss-runs report?

Loss-runs are reports from your insurance provider that detail the past claims you've filed under your business insurance policies. 

Cancellations

Can I stop or pause my policy?

We do not have the option to pause your Annual policy; While we cannot pause the policy, it can be cancelled by you at any time.

How do I/Can I cancel my policy at any time?

Your policy can be canceled anytime by sending an email to [email protected]. The email must be sent from the email address used to log into the dashboard online. Please include your:

• Full name
• Policy number, and request to cancel. 

How to cancel a renewing policy

If your policy expires soon, we offer the option to cancel your automatic renewal (Your policy may be enrolled in the EZ renew/automatic renewal). This can be turned off any time before your policy renewal date. To cancel EZ Renew please follow these simple steps:

1. Login to your dashboard (your online account)
   Note: The "Login" or "My account" button is located in the upper right-hand corner of our website
2. Click the “My Policies” button in the “Manage Policies” section
3. Scroll down to the bottom to the EZ Renew section
4. Click the “Cancel EZ Renew” button
   *If this does not work, please send reply to this email with your request to cancel your EZ Renew.

How to cancel a policy that just renewed

Policy just renewed and I want to cancel - 

If the policy just renewed within 10 days of today, please do the following:

1. Login to the dashboard
2. Click the Change policy options page
3. Click the request cancellation button

 If that option is not available or does not work, send an email to [email protected] with your name and policy number. Your request will be processed by our Cancellation team.

How do I cancel my policy?

We are sorry to see you go and hope that you return soon. You can conveniently request a cancellation through your dashboard:

1. Log in to your account. This is done by clicking either the “Login” or “My account” button located at the upper right hand corner of your screen. If you forgot your password, please select the "Forgot Password" link to reset it through your email
2. Click the “Change Policy Options” button in the “Manage Policies” section
3. Select "Request Cancellation"
4. If this does not work, please send us an email to [email protected] with your request.

Cancellation Policy

Please keep in mind that this policy is 100% earned and non-refundable. Cancelation requests are reviewed and processed by our Cancelation team.

Troubleshooting

Trouble Shooting

This guide will help give tips on what to do when encountering a technical issue.

Things that can be tried is almost any situation

Refresh the page

Refreshing the page can help resolve many issues. Sometimes, if the page gets stuck, click the refresh button. The refresh button can come in many forms. It can be a circular arrow at the top left of the page. Other browsers might have other icons. Another way to refresh is to click the right button on the mouse and select Refresh. On rare occasions, this might cause some or all of the information that has been entered to be erased. If this happens, we do apologize. It might be what is needed to get the issue fixed.

Clear the cache/cookies

While not as fun as clearing the cookies off the kitchen table, the method can help clear how to navigate the website and application. Clearing the cache and cookies varies with every website. The best way to know how to clear the cache/cookies off your browser is to do an internet search. 

Close the browser and re-open it

If refreshing the page and clearing the cookies has not worked, try closing the browser and re-opening it.

Change the browser

Sometimes we have to change the browser. We have found that Chrome works best but that others work as well.

Page specific trouble Shooting.

Proceed to checkout is not working.

I am sorry to hear that. To fix this issue, lets try the following:

1. Check the application for anything that could be missing.
2. Refresh the page. The application might have timed out.
3. Try a different browser.
4. Try a different device.

Date on the application

If you are having trouble on the application and the date was just entered, try changing the date to a sooner date. Please note that the policy can only be purchased 180 days before the start date for the event policy and 90 days before the start date for the annual policy. Every two years we update the Master policy. This can affect the availability of the start date or the availability of the policy number. Please click Why has my policy number not generated?
to learn more about the Master Policy.

Payment issues

Monthly payments

Monthly payments are currently available for Full Frame Insurance and start at $12 per month. 

The initial payment includes the first and last month's payment plus any fees and taxes. The taxes and fees may vary depending on your state and is calculated at the checkout section of your application. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

It can be frustrating when your yearly payment fails, but don't worry! Here are a few easy steps that will help you resolve the issue quickly :

1. Login to your dashboard by clicking the "Login" or "My account" button
2. If your payment information has not changed, please skip to step 4
3. Go down and click the "payment profiles" button and then click the update button. Follow the prompts.
4. In the "Welcome" page of the dashboard, click the "Resubmit" button at the top
5. Go through all steps that are required by the form

By following these steps and staying proactive, you can quickly resolve any issues with failed annual payments and ensure that your transactions are processed smoothly in the future.

What is a "Master Policy"?

A master policy is a written policy that is cloned to create the individual policies we sell. The master policy is updated every 2 years to account for any changes that may need to be made to the master policy itself.

Why does my policy say "TBA" or not have a policy number attached?

This was done to enable our customers to purchase a policy while the master policy is being finalized. A policy number will be generated as soon as the master policy has been finalized.

Why has a policy number not been assigned to my policy?

At this time, we are finalizing some details pertaining to the policy. Once we have finished those details, we will generate the policy numbers automatically. We apologize for any inconvenience this may have caused.

How long should it take to generate the policy number/what is the ETA?

We expect the master policy to be done by March 15, if not sooner. Once done, the policy number will be automatically generated on your policy documents.

FAQs