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Business Insurance for Food Photographers
Behind every great photo is a serious business.
What sets RVNA apart
Food photography takes planning, precision, and a lot of moving parts—on set and behind the scenes. RVNA helps support that work, with coverage that fits how photographers actually operate.
Tailored for photographers: We’ve worked with photographers for over 30 years. Our policies are built around the kinds of risks and gear you work with every day.
Support from staff who understand creative work: When you need assistance, just call. Our team understands a photographer’s business and can respond to any questions or concerns.
Straightforward and flexible: Quote, customize, and buy your policy online. Need to update something or add a certificate? It’s all there, whenever you need it.
Claim Support: You can report a claim anytime—no waiting for business hours.
Why Food Photographers Need Liability Insurance
Sometimes you’re working in busy kitchens. Tight studios. Full production sets.Things spill. People trip. Accidents happen.
Whether you’re photographing at a fine dining restaurant, a food festival, or a client’s home kitchen, liability insurance protects you if someone gets hurt or property gets damaged due to your set up or equipment.
If a chef trips on your light stand or your gear scratches a marble counter—you could be liable.
Recommended Coverage for Food Photographers
With coverage limits up to $6M/$7M, RVNA’s General Liability insurance helps protect food photographers. Whether you’re photographing in a studio, a commercial kitchen, or at a busy food festival, liability coverage protects your business from costly claims.
Liability insurance isn’t just a precaution, it’s often a requirement in commercial food photography.
The Best Equipment & Camera Insurance
Manufacturer and store warranties don’t cover what professional photographer insurance does.
Warranties won’t help you if your lens gets knocked over, your gear is stolen during a shoot, or your camera fries from kitchen steam. Our equipment coverage is built for working pros:
Equipment Insurance Benefits:
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Can cover owned + rented gear
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Pays replacement cost
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Covers accidental damage, theft, spills, and more
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No per-item limits
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Includes coverage for editing gear, lighting, and more
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.
Coverage for All Types of Food Photographers
For Commercial Food Photographers
Big clients. Bigger crews. Fast-moving sets. You need coverage that keeps up.
- Can Cover both owned and rented gear
- Replacement cost, no guessing
- Coverage for travel, studios, kitchens
- Spills, steam, and surprises—all protected
For Editorial & Cookbook Photographers
Natural light, stylized sets, unpredictable spaces.
- Protect gear during small-location shoots
- Coverage for editing tools + tablets
- Rented lens? Covered if Rental option chosen.
- Post-production tools included
For Food Bloggers & Content Creators
Solo creators still need real protection.
- Portable gear coverage for on-the-go shoots
- Theft + damage protection during travel/events
- Covers stabilizers, laptops, and more
- Flexible limits for growing creators
Additional Coverages to Consider
- Liability & Excess
- Props, Sets & Wardrobe
- Errors & Omissions
- Employee Crime
- AD&D/AME
- Workers Compensation
- UAV / Drone Coverage
- and more!
Questions?
Call us 1-800-364-2433
Get Insured Today
You’ve worked hard to build your photography business. RVNA Photographer Insurance helps you protect it.
Questions? Call us 1-800-364-2433. Phone Support available from 5:30AM to 5:00PM PT.