Liability, Camera Insurance, and more
Insurance for Professional Photographers including replacement cost equipment coverage with an option for rented equipment protection.
Professional Photographers
"Highly Recommend" RVNA Insurance
Utah Photographers and Videographers: Protect your Business
Utah is a dream destination for photographers and videographers, offering dramatic landscapes, national parks, bustling cityscapes, and vibrant cultural scenes. From the towering red rock formations of Moab to the snow-covered slopes of Park City, Utah provides endless inspiration for professionals specializing in nature, adventure, sports, weddings, and commercial photography.
With its stunning scenery and thriving event scene, Utah attracts large-scale productions, destination weddings, and outdoor festivals, making it a hotspot for creative professionals year-round. Whether capturing the grandeur of national parks, the energy of city life, or intimate moments in scenic lodges, photographers and videographers have endless opportunities to grow their businesses.
However, working in such varied environments presents unique challenges. Whether you’re capturing sweeping desert vistas, fast-paced ski competitions, or romantic weddings in rustic lodges, the right insurance protects your business, your gear, and your reputation—so you can focus on creating unforgettable visuals.
Understanding Essential Insurance Coverages
To safeguard your photography or videography business, consider the following types of insurance: General Liability Insurance, Equipment Insurance, Drone Insurance, Professional Liability (Errors & Omissions) Insurance, Workers’ Compensation Insurance.
Salt Lake City seamlessly blends urban sophistication with stunning mountain vistas, making it a prime location for photographers and videographers focusing on weddings, lifestyle shoots, and commercial projects.
- Common Risks: Studio mishaps, on-location liability, and theft of high-value equipment.
- Recommended Coverage: General liability, equipment insurance, and professional liability insurance for commercial work.
Moab’s iconic red rock formations and dramatic desert landscapes attract adventure, nature, and landscape photographers seeking unparalleled natural beauty.
- Common Risks: Rugged terrain and equipment damage during hikes or climbs.
- Recommended Coverage: Equipment insurance for outdoor shoots and liability insurance for group workshops or adventure shoots.
Renowned for its world-class ski resorts and the Sundance Film Festival, Park City offers a dynamic setting for sports, event, and fashion photography.
- Common Risks: Accidents during sports events, and liability for indoor and outdoor shoots.
- Recommended Coverage: Equipment insurance, drone insurance for aerial shots, and liability insurance for events.
Zion National Park’s towering cliffs and deep canyons provide a breathtaking backdrop for photographers specializing in adventure and nature scenes.
- Common Risks: Equipment damage due to rugged conditions, and liability issues during guided shoots or workshops.
- Recommended Coverage: Equipment and liability insurance to handle remote shoots.
The expansive, mirror-like surface of the Bonneville Salt Flats offers a unique environment for automotive, fashion, and commercial photography, especially during events like Speed Week.
- Common Risks: Liability during shoots.
- Recommended Coverage: Equipment insurance for rugged environments and liability coverage for activities.
With its vibrant arts scene and proximity to natural attractions like Utah Lake and Bridal Veil Falls, Provo is ideal for wedding, portrait, and lifestyle photographers seeking diverse settings.
- Common Risks: Liability at weddings or events, and damage to rented equipment.
- Recommended Coverage: Equipment and liability insurance, plus drone coverage for outdoor venues.
Unlimited Certificates of Insurance (COIs) Free with Liability
With RVNA photographers can manage their policy online and add Additional Insureds instantly or call 1-800-364-2433 to have one of our top-rated insurance professionals do it for you.
Top Insurance Coverages for Utah Photographers
General Liability Insurance: Liability insurance with limits up to $6M/$7M is essential for Utah photographers and videographers and protects against property damage or personal injury claims. Many venues and clients require proof of liability coverage, especially for larger events and productions.
Property Damage Liability: Commercial shoots, including fashion, music, and advertising shoots, often take place in rented studios or public spaces where accidental damage can occur. Property Damage is part of General Liability coverage.
Equipment Insurance: Equipment insurance protects against theft, damage, and loss, including damage caused by severe weather such as floods, fire, or hurricanes. Includes replacement cost coverage for essential items such as cameras, lenses, laptops, monitors, lighting setups, audio equipment, and rented gear (if selected).
No per item or aggregate limit
RVNA places no limits on the value of your camera or equipment. For example, If a photographer selects a $10,000 coverage limit then the equipment is covered up to $10,000 even if that amount is for a single camera accidentally damaged that costs $10,000 to replace. Other insurance places per item limits on camera and gear.
Owned and rented equipment
RVNA’s Photographer Insurance provides coverage for owned and rented equipment. For example: A photographer rents lights for a shoot and a light gets damaged. RVNA’s Camera Equipment Insurance covers the replacement cost of the equipment up to the insured limit. Other insurance excludes rented equipment.
Set Your Own Limits
With RVNA Photographer Insurance, tailor your policy to cover exactly what you need. Our custom policies can be quoted and purchased online instantly. Using our online system, you select only the limits and coverages you need. Other insurance is package-based and costs photographers more money for less coverage.
Drone Insurance (UAV Operators)
Drone photography and videography offer unique perspectives for real estate, tourism, and commercial projects in Utah. However, operating drones introduces specific risks, making specialized drone insurance essential. Our coverage includes:
UAV Liability Coverage:
Liability coverage ranges from $100,000 to $2 million, protecting you from potential claims related to bodily injury or property damage. This includes coverage for non-owned or hired drones, which is especially important as many clients and venues require proof of liability insurance from professional drone operators. Keep in mind that homeowner policies typically won’t cover commercial UAV operations, so dedicated liability insurance is necessary to protect you and your business.
Physical Damage (Hull) Coverage:
This covers your drone and its payload (such as attached cameras) against theft and accidental damage, safeguarding the valuable equipment you depend on for your business.
Multiple Drone Policy:
Our policies are available to both single-drone operators and UAV operators with a fleet of drones, ensuring you have the flexibility to expand your business while maintaining full coverage. Our drone insurance is available in all 50 states.
Questions?
Call us 1-800-364-2433
Photographer Reviews
“I’ve carried liability insurance with RVNA for a few years now. Just renewed over the phone and it was quick, easy and hassle-free. I would recommend this company to my photographer friends for their business.” —Victor O., Google
“I have been using them for years for my photography business and when I need help they are there for me, stress free and one stop call resolution.” —Jennifer C., Google
“Great firm for photographers who need an insurance company that understands our business. My equipment is covered as I travel or am at home. This is a great company.” —Ngo N., Google
Get Insured Today
Let RVNA help you protect your photography business and ensure your continued success in Utah and beyond.
Questions? Call us 1-800-364-2433 5:30AM to 5:00PM PT.