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
How Georgia Photographers and Videographers Can Protect their Business
A Creative Hub
Georgia has become a vibrant hub for photographers and videographers, offering endless creative opportunities in cities like Atlanta, Savannah, Athens, and beyond. From capturing the fast-paced energy of Atlanta’s urban scene to immortalizing the timeless charm of Savannah’s historic streets, the state provides an inspiring backdrop for professionals across all genres of photography and videography.
However, working in such a diverse landscape comes with unique challenges. Whether you’re photographing dramatic mountain views, serene coastlines, or bustling cityscapes, having the right insurance is essential to protect your equipment, your business, and your reputation so you can focus on creating your best work.
Protect Your Business, Wherever You Work
From Atlanta’s dynamic entertainment industry to Savannah’s historic beauty, Blue Ridge’s mountain serenity, Athens’ creative energy, the Golden Isles’ coastal elegance, and Macon’s rich cultural heartbeat, Georgia offers incredible opportunities for photographers and videographers to thrive.
Each location comes with its own set of risks—equipment damage, liability at live events, or accidents during on-location shoots—and the right insurance safeguards your livelihood every step of the way. Whether you’re shooting a high-stakes commercial in Atlanta, a wedding under Savannah’s moss-draped oaks, or a landscape along Georgia’s scenic trails and beaches, protecting your business ensures you can keep doing what you love.
Take the Next Step
Equip yourself with coverage that keeps your business and gear secure, giving you the freedom to focus on what matters most: creating stunning visuals that inspire and captivate.
Atlanta is the epicenter of Georgia’s booming entertainment industry, making it a hotspot for photographers and videographers specializing in music, fashion, film, and commercial productions. Known as the “Hollywood of the South,” Atlanta offers endless creative possibilities, but its fast-paced environment demands the right protection.
- Common Risks: Studio accidents, on-location liability, and theft of high-value equipment.
- Recommended Coverage: Liability insurance, Equipment insurance, and Drone coverage for capturing stunning skyline shots.
Savannah’s historic streets and moss-draped oaks provide dreamy backdrops for wedding, portrait, and fine art photography. Photographers flock to this coastal city to capture its romantic charm and architectural treasures.
- Common Risks: Damage to rented equipment during on-location shoots or liability claims during events like weddings.
- Recommended Coverage: Equipment insurance, liability insurance, and drone insurance for stunning overhead views of Forsyth Park and Tybee Island.
Nestled in the foothills of the Blue Ridge Mountains, this picturesque town is a favorite for nature and landscape photographers. With its breathtaking vistas, serene lakes, and dramatic waterfalls, Blue Ridge is ideal for outdoor photography.
- Common Risks: Harsh weather, rugged terrain, and equipment damage during outdoor shoots.
- Recommended Coverage: Equipment insurance for protection in rugged terrain and liability insurance for group workshops or client shoots.
With its vibrant arts scene, historic architecture, and lush green spaces, Athens is a magnet for lifestyle, event, and editorial photographers. As home to the University of Georgia, the city has a youthful, creative energy perfect for capturing bold, unconventional work.
- Common Risks: Theft in busy areas, liability for on-location shoots, or equipment damage at live events.
- Recommended Coverage: Equipment insurance, liability insurance, and E&O insurance to handle potential issues.
Georgia’s Golden Isles—including Jekyll Island, St. Simons Island, and Brunswick—are known for their driftwood beaches, historic landmarks, and tranquil marshes. Photographers capture stunning landscapes, romantic seaside weddings, and wildlife in this area.
- Common Risks: Accidental equipment damage, and drone accidents during coastal shoots.
- Recommended Coverage: Equipment insurance and Liability insurance for on-location risks. Drone coverage for UAV operators.
Macon’s rich history, cultural heritage, and annual events like the Cherry Blossom Festival make it an ideal location for event, portrait, and fine art photography.
- Common Risks: Liability issues during festivals or damage to rented gear at indoor and outdoor events.
- Recommended Coverage: Liability insurance for events, and equipment insurance to protect your gear.
Exclusive RVNA Policy Backed by
Liability Insurance (Including Property Damage)
Liability insurance with limits up to $6M/$7M is essential for Atlanta photographers and videographers, especially in a fast-paced environment with on-location shoots and high client expectations.
KEY COVERAGES INCLUDE
General Liability
Protects against property damage or personal injury claims.
This coverage includes photography during live events, on-location shoots, or studio sessions. 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.
Liability insurance protects against claims if property is accidentally damaged due to a photographer’s setup or operations.
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.
Equipment Insurance (Including Rental Coverage)
Equipment is the backbone of any photography or videography business. From high-end cameras to rented lighting equipment, equipment insurance protects against theft, damage, and loss, ensuring you can keep your projects on track.
KEY COVERAGES INCLUDE
Replacement Cost Equipment Protection:
Covers essential items like cameras, lenses, monitors, lighting setups, audio equipment, and rented gear (if selected). This protection is crucial whether you’re covering an outdoor festival, a corporate event, or a studio shoot.
Rental Equipment Coverage:
Many photographers rent specialized equipment for specific projects. When purchasing Equipment Insurance you can add on rented equipment to safeguard rental gear from unexpected costs due to accidental damage or theft.
Severe Weather
RVNA Equipment Coverage includes protection for accidental equipment damage due to a flood, fire, or natural disaster such as a hurricane.
Production Equipment Coverage:
In larger productions, high-value items like multiple cameras and complex lighting rigs are at risk. RVNA’s Photographer Insurance provides coverage for multiple photographers. Have a larger production? RVNA also offers Film Production Insurance to Quote & Buy Online.
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 Georgia. 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
Unmatched Customer Service
“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
Film Production Insurance
When Your Business Expands into a Production Company
As a photographer or videographer it’s possible you may take on larger projects, and expand services to include commercials, documentaries, educational films, and short films. As you grow your businesses, you may need to hire assistants or crew, which introduces new risks. RVNA offers over 20 optional coverages for photographers and more:
Workers’ Compensation Coverage:
If you hire crew or assistants, this coverage helps protect your business from claims due to workplace injuries, ensuring you meet legal requirements and keep your team safe.
Specialized Film Production Insurance:
If you’re moving beyond traditional photography into film production, our comprehensive Film Production Insurance is available through RVNAproductionInsurance.com. You can easily obtain quotes and purchase policies online, tailored to meet the demands of film projects like commercials, industrial films, and more.
Get Insured Today
Let RVNA help you protect your photography business and ensure your continued success in Georgia and beyond.
Questions? Call us 1-800-364-2433 5:30AM to 5:00PM PT.