Protect Your Photography Business with Commercial Photographer Insurance – Starting at Just $99/Year!
Liability Coverage up to $6M/$7M
Replacement Cost Equipment Insurance, and protection against theft, fire, and severe weather damage.
Professional Photographers
"Highly Recommend" RVNA Insurance
Specialized Insurance for Commercial Photographers with Responsive & Knowledgable Representatives.
Pro Photographer Insurance by RVNA stands out from other providers that seem to offer similar programs but fall short on coverage, security, and responsiveness.
Key benefits that come with choosing RVNA
- Trusted by Professional Photographers: With over 1,200 positive reviews, photographers across the U.S. rely on RVNA to insure their business.
- Fast, Easy Online Policy Management: Customize, quote, and buy online in minutes, plus 24/7 access to policy documents.
- Responsive, Knowledgeable Support: Our specialists understand commercial photography risks and are available by phone M-F.
- Liability Protection Nationwide: No matter where you are based, Photographer Liability Insurance covers bodily injury and property damage in all 50 states.
- Worldwide Equipment Coverage: Whether in the studio or on location, your equipment coverage follows you.
- 24/7 Claims Reporting: Report claims anytime. During business hours with RVNA or after hours using the 24/7 support line.
Professional Photographer Reviews of RVNA
“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
Exclusive RVNA Policy Backed by
Worldwide Equipment Insurance – Protect Your Gear Everywhere
Your camera gear is your livelihood. Whether you’re shooting in the studio, on-location, or traveling for a campaign, RVNA ensures your equipment is protected
- Accidental Damage & Theft Protection – Covers cameras, lenses, hard drives, monitors, and more.
- Replacement Cost Coverage – No depreciation. We pay for the cost of a brand-new replacement.
- Fire, Flood, Hurricane, & Earthquake Protection – Unlike many insurers, we cover disasters.
- Rental Equipment Coverage Available – Protect rented gear just like your own.
Get Unlimited COIs Instantly – Free with Liability Coverage
Many clients and venues require proof of insurance before allowing photographers to shoot. With RVNA, you get unlimited COIs at no extra cost. Customize COIs online in minutes.
Liability Insurance for Commercial Photographers
Essential Protection for Your Business
Commercial photography involves high-value shoots, on-location work, and collaboration with clients, models, and crew. Without insurance, one unexpected accident can result in costly legal claims and financial loss.
Common Risks Photographers Face
1. Trip Hazards in Studios – Clients or assistants can trip over cables and lighting equipment, leading to injury claims.
2. Property Damage at Client or Rented Locations – A knocked-over light stand could damage expensive floors.
3. Outdoor Shoot Accidents – Wind or unforeseen events could cause damage to property or injury to bystanders.
4. Equipment-Related Injuries – Falling gear (scrims, lights, etc.) or setups could result in serious injuries.
How Liability Insurance Protects Your Business
- Covers medical expenses, legal fees, and settlements if an accident occurs.
- Shields you from out-of-pocket costs for property damage or injuries.
- Builds client confidence by showing your professionalism and preparedness.
Evaluate Your Risk Exposure – Choose the Right Coverage
Do You Work in Studios, Client Locations, or Outdoors?
Do you primarily shoot in a studio, or do you work on-location in clients’ offices, retail spaces, or public areas? Identifying where your highest risks lie can help you select a policy that provides adequate coverage.
Do You Handle Expensive Client Property?
For commercial photographers, high-value venues and products often require higher liability limits. RVNA photographer liability policies offer limits from $1 million up to $6 million per occurrence.
Do You Rent Equipment Often?
If you rent equipment such as lights, camera bodies, lenses, or even backdrops, RVNA Photographer Equipment Insurance offers coverage for rental equipment. Just add the option when getting the quote.
Do You Need Coverage for Advertising & Media?
RVNA offers many optional coverages that may be beneficial. For example, professional liability or errors and omissions coverage can protect you if you’re accused of copyright infringement or defamation.
Looking for a Cost-Effective Bundle?
If you’re shopping for liability insurance, it’s also a good time to consider bundling it with equipment insurance. RVNA provides flexible policies that include both general liability and gear coverage for comprehensive protection.
Why Commercial Photographers Choose RVNA Equipment Insurance
Cameras, lenses, laptops, and hard drives are expensive and essential to your success. RVNA’s Equipment Insurance provides coverage against theft, accidental damage, natural disasters, and more—whether you’re shooting in a studio, on location, or traveling worldwide.
RVNA Insurance Features
Replacement Cost Coverage
Unlike warranties or homeowners policies, we don’t just pay the depreciated value of your equipment. If your camera or gear needs replacement, we cover the cost of a replacement even if that means a newer model because your existing equipment has been discontinued.
Owned and Rented Equipment Coverage
RVNA insurance extends to rented equipment when selected, offering protection when you need additional gear for a specific project.
Severe Weather & Natural Disaster Protection
Our coverage includes many perils often excluded by other insurers including Fire, Windstorm, Hurricane, Tornado, Earthquake, and Flood, ensuring your equipment is protected from a range of unexpected events.
No per-item limit, no itemization needed
You select the overall coverage amount you need, and we don’t impose per-item limits. Whether you have a high-value camera or multiple pieces of gear, we’ll cover up to the policy limit you choose, with no itemization required.
Additional Coverages to Consider
Beyond liability and equipment insurance, RVNA offers many optional coverages for photographers:
Props, Sets & Wardrobe
Errors & Omissions
Employee Crime
AD&D/AME
Workers Compensation
UAV / Drone Coverage
and more!
Questions?
Call us at 1-800-364-2433 for expert guidance.
Get Insured Today – Protect Your Photography Business!
RVNA makes it fast and easy for commercial photographers to get affordable, comprehensive insurance that protects their business and gear.
Questions? Call 1-800-364-2433 (5:30 AM - 5:00 PM PT) for Assistance.