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
Texas Photographers and Videographers: Protect your Business
Texas offers an incredible range of opportunities for photographers and videographers, from sprawling urban skylines and vibrant cultural events to sweeping ranchlands and rugged desert terrain. Cities like Austin, Dallas, Houston, and San Antonio are popular hubs for commercial shoots, weddings, fashion editorials, and portrait photography. Meanwhile, Texas’s vast outdoor spaces provide dramatic settings for nature, adventure, and sports photography.
With its thriving music festivals, professional sports teams, and growing film industry, Texas attracts photographers year-round for events, productions, and special projects. Whether you’re capturing downtown Dallas’s skyline, fashion shoots in Austin’s creative districts, or family portraits in the Hill Country, Texas is full of opportunities to grow your business.
However, working in Texas’s varied environments also comes with unique risks. From severe weather including hurricanes and tornadoes to crowded events and rugged terrain, photographers face challenges that can impact their equipment, safety, and business operations. Having the right insurance ensures you’re prepared for anything—so you can focus on capturing stunning 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.
Texas Photography Hotspots and Risks
Austin’s vibrant music scene, festivals like SXSW, and creative vibe make it a hotspot for music, portrait, and fashion photography.
- Common Risks: Crowded festivals, equipment theft, and liability at large events.
- Recommended Coverage: General liability, equipment insurance, and professional liability for commercial shoots.
Dallas’s modern skyline and booming business scene provide opportunities for corporate headshots, real estate photography, and commercial advertising shoots.
- Common Risks: Studio mishaps, property damage at rented locations, and theft of high-value gear.
- Recommended Coverage: General liability, equipment insurance, and property damage liability.
Houston’s mix of historic venues and urban energy makes it ideal for wedding, event, and portrait photographers.
- Common Risks: Damage to rented venues, liability at large events, and extreme weather.
- Recommended Coverage: Liability insurance, equipment insurance, and drone coverage for aerial shots.
With its rich history, Spanish architecture, and the River Walk, San Antonio is a prime location for wedding and travel photography.
- Common Risks: Liability at wedding venues, transportation mishaps, and severe weather.
- Recommended Coverage: General liability, equipment insurance, and workers’ compensation for employees.
Known for rolling hills, wildflowers, and vineyards, the Hill Country attracts families and couples for outdoor portraits and engagements.
- Common Risks: Accidental equipment damage during outdoor shoots, sudden storms, and liability at private venues.
- Recommended Coverage: Equipment insurance and General Liability.
With its dramatic desert scenery, West Texas appeals to adventure and nature photographers. Locations like Big Bend National Park are popular for travel photography.
- Common Risks: Harsh weather, rugged terrain, and remote locations that pose logistical challenges.
- Recommended Coverage: Equipment insurance, drone insurance, and General Liability.
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.
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
Texas Photography by Specialty
Texas is home to a diverse range of photographers, each serving unique markets and clients. We understand that every type of photographer faces specific business needs, challenges, and risks. Learn more about how we support photographers in Texas by exploring our dedicated pages for each specialty.
- Architectural Photographer
- Pet Photographer
- Portrait Photographer
- Real Estate Photographer
- Sports Photographer
- Street Photographer
- Wedding Photographer
- Wildlife Photographer
From protecting valuable equipment to covering liability at shoots, we’re here to help photographers safeguard their businesses.
Top Insurance Coverages for Texas Photographers
General Liability Insurance: Protects against property damage or injury claims, with limits up to $6M/$7M. Many venues and clients require proof of liability coverage, especially for events and productions.
Property Damage Liability: Essential for commercial shoots, protecting against accidental damage to property at studios or rented locations. Included as 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 Texas. 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
Get Insured Today
Let RVNA help you protect your photography business and ensure your continued success in Texas and beyond.
Questions? Call us 1-800-364-2433 5:30AM to 5:00PM PT.