Photographer Insurance Guide

Being a videographer isn’t just about capturing beautiful moments—it’s about being ready for anything. Filming a high-energy concert, an intimate wedding, or an adrenaline-packed sports event requires skill, precision, and some serious equipment. But what happens when things go wrong? What if your camera takes a dive into the ocean during a beach wedding shoot? […]

Nature and macro photography open up a world of incredible details and breathtaking landscapes, offering photographers the chance to document the beauty of the natural world. Whether capturing the grandeur of mountain ranges or the delicate intricacies of a butterfly’s wing, having the right gear is essential—but so is protecting your business when things don’t go as planned.

The American West is home to some of the most thrilling and visually stunning sporting events in the country. From high-intensity rodeos in Texas to the extreme outdoor sports of Montana, sports photographers in this region face unique challenges and opportunities. Whether shooting under stadium lights or against the backdrop of wide-open landscapes, capturing action [...]

New Orleans, with its vibrant festivals, historic architecture, and crowd-filled streets, is a dream destination for photographers. From the excitement of Mardi Gras parades to the timeless beauty of the French Quarter, photographers capture moments and scenes that define this unique city. However, working in New Orleans comes with its own set of challenges. Photographers […]

Boston is a city rich in history, culture, and creativity, making it an ideal place for photographers to thrive. From capturing elegant weddings along the Charles River to photographing graduation portraits on Harvard’s iconic steps, Boston’s variety of photography niches means endless opportunities for skilled professionals. However, with these diverse settings come unique challenges and […]

Why Pet Photographers Need Insurance (Almost as Much as Treats) Let’s face it—being a pet photographer is the cat’s meow (or maybe the pig’s oink?). Who wouldn’t want to spend their days capturing the joy, curiosity, and downright silliness of our beloved animal companions? From fluffy kittens and zooming greyhounds to majestic horses, curious iguanas, [...]

You’re perched on the edge of a cliff at sunrise, framing the perfect shot. The wind picks up, and you lose your footing, your lens crashes on the rocks as you grab onto something to keep yourself from falling. A two thousand-dollar lens, gone in an instant. Or maybe you’re deep in the forest capturing [...]

As a portrait and studio photographer, your equipment and space are essential to your business. From high-end cameras to flash kits, LED panels, backdrops, scrims, and office equipment, you invest heavily in creating the perfect studio environment. But have you ever thought about what would happen if your equipment were to be damaged, stolen, or [...]

Picture this: You’re in a bright, bustling daylight studio in Miami, setting up for a high-profile wedding shoot. The bride glides by, radiant and excited, when suddenly she trips over the backdrop, injures herself and damages your 10x10 foot scrim. Your dream shoot turns into a potential legal and financial disaster. This is where general [...]

As the year comes to a close, it’s time for photographers to reflect on their work, prepare for the upcoming year, and, importantly, safeguard their most valuable assets—their camera gear. Whether you’re a seasoned pro or just starting, your equipment is your lifeline, and it’s essential to make sure it’s well protected. This is where [...]

As a professional photographer, you’ve invested a significant amount of money in high-end gear, from cameras and lenses to studio lighting, custom backdrops, and editing equipment. It’s natural to wonder if your homeowners' insurance, extended warranties, or even the coverage included with a professional association membership offers enough protection. Unfortunately, while these options provide a [...]

For adventure photographers, ski season is one of the most exciting and dynamic times of the year. Capturing skiers and snowboarders in action against the backdrop of snow-covered peaks offers breathtaking, high-impact imagery. However, while ski resorts present endless opportunities for stunning shots, they also bring unique challenges and risks that can jeopardize both your [...]

New York City—dynamic, fast-paced, and endlessly inspiring. Whether you’re capturing the iconic skyline, capturing portraits in a studio or Central Park, or taking bold editorial shots for a magazine client, your gear, including rented equipment is your livelihood. But in a city as unpredictable as NYC, accidents, theft, or weather damage can derail your business. [...]

Seattle and the broader Pacific Northwest offer stunning landscapes and vibrant city scenes perfect for commercial and event photography. However, the region's unpredictable weather and bustling urban environments pose unique risks. Here’s why having comprehensive insurance is essential for Seattle-based photographers, especially those covering events and commercial projects. The Unpredictable Weather of the Pacific Northwest [...]

Gear Coverage for Wildlife Photographers Wherever the Shots Take You Wildlife photography is an adventure that often takes you into remote, rugged terrains to capture nature’s most stunning moments. From trekking through dense jungles to braving icy mountaintops, wildlife photographers go wherever the shot leads them. However, the unpredictable environments of this profession expose your camera [...]

California ranks among the top states for weddings, with nearly 220,000 weddings held annually. This vibrant market presents a wealth of opportunities for wedding photographers but also comes with unique challenges and risks. Ensuring comprehensive insurance coverage is crucial for photographers looking to safeguard their business and provide peace of mind to their clients. The [...]

Chicago is a photographer’s playground. From weddings set against the iconic skyline to bustling corporate events, portrait sessions in Millennium Park, and commercial shoots along the Magnificent Mile, the Windy City offers endless opportunities. However, with these opportunities come unique challenges — from unpredictable weather to crowded venues and high-traffic urban settings. For photographers in [...]

As a commercial photographer, your focus is on capturing the perfect shot for clients, whether it’s a high-energy product shoot, a corporate branding session, or an editorial spread. But behind every stunning image lies a world of risks—gear damage, client disputes, and accidents—that could cost you financially and professionally if you’re not prepared. Some photographers […]

Fall in Colorado is a photographer’s dream. With golden aspens, dramatic mountain backdrops, and crisp autumn air, it’s the perfect season for outdoor shoots. But with this beauty comes risk. Unpredictable weather, difficult terrain, and busy event schedules can lead to accidents, equipment damage, or even lawsuits. For photographers, especially in a state as dynamic […]

Arizona’s breathtaking landscapes—sweeping deserts, rugged mountains, and the iconic Grand Canyon—make it a dream location for photographers. With clear skies and cooler fall and winter weather, it’s the perfect time for outdoor shoots. However, the extreme environment, from intense sun and storms, pose significant risks to your camera equipment. Without the right insurance coverage, a […]

As the fall season kicks off, it’s a busy and profitable time for portrait photographers. The autumn months are filled with opportunities for mini sessions, seasonal portraits, and holiday-themed shoots. But along with the increased business comes the need to protect your investments and maximize your revenue. Here are some fall-focused tips to help grow […]

Sports photographers work in an exciting, fast-paced field that captures the thrill and intensity of athletic events. From professional sports arenas to high school stadiums and local fields, sports photographers are on the frontlines, documenting key moments, emotions, and action-packed scenes. However, imagine you’re on the sidelines of a high-stakes football game, your eye glued [...]

At a Glance: Why RVNA Pro Photographer's Insurance Excels Benefit RVNA Pro Photographer's Insurance Other Photographer Insurance 24/7 Claims Filing ✔ ✘ No Per-Item Limits ✔ ✘ Owned and Rented Equipment Coverage ✔ ✘ Entirely Customizable Coverage ✔ ✘ Office Equipment Coverage Included ✔ ✘ Responsive and Knowledgeable Support ✔ ✘ In Detail: Why RVNA [...]

Florida, known for its stunning sunsets and pristine beaches, harbors a less glamorous reality for photographers: the threat to your camera equipment including laptops, lights, and lenses. In the Sunshine State, where weather can turn volatile, tourists crowd every corner, and relentless heat prevails, safeguarding your livelihood becomes paramount. This is where gear insurance steps [...]

Looking to connect with other Photography and Videography industry professionals? These are just a few of the many associations established to provide education and networking opportunities to all types of photographers and videographers. American Photographic Artists | Learn More American Society of Media Photographers | Learn More American Society of Picture Professionals | Learn More Alliance of Visual [...]

As you’ve probably noticed, the photography business is staffed by plenty of subcontracting arrangements. However, if a session results in a lawsuit, your exposure and risk can greatly vary depending on your subcontracting status. There are two important rules to keep in mind. Rule 1: From an insurance point of view, an employed photographer is [...]