Premier Property Policy

for Photographers

RVNA's Premier Photographer coverage is the best insurance coverage for professional photographers. You won't find better, more flexible coverage. Why pay for coverage you don't need with preset plans? With our Premier Property/Equipment Insurance you can tailor your coverage to purchase exactly what you need. Our optional property coverages include coverage for photo equipment, props, sets and wardrobe, power interruption, reshoots, negatives, third party property damage, money & currency (crime) and much, much more.

Provides insurance coverage for scenery, costumes, theatrical props and related equipment owned by you or which is the property of others used or rented by you.
Antiques and Fine Arts Coverage
Provides insurance coverage for antiques, objects of art, furs, watches, pearls, precious and semiprecious stones, gold, silver, platinum and other precious metals or alloys, including jewelry containing any such items. Any limit provided by this insurance is included within and is not in addition to the limit provided for Props, Sets & Wardrobe Coverage.
Animal Coverage
Provides insurance coverage for scheduled animals for injury, illness, death, repatriation, rendering, disposal or loss of use to third parties. In the absence of a Certificate of Health, scheduled animals are covered for accident only. Any limit provided by this insurance is included within and is not in addition to the limit provided for Props, Sets & Wardrobe Coverage.

Provides insurance coverage for a loss you incur above and beyond what you would have otherwise incurred in the event of an interruption, postponement or cancellation of a production as a direct result of damage to or destruction of property or facilities. This does not cover loss of earnings or profits. It only covers the additional expenses over and above the cost that you incur to complete your production.
Civil Authority Coverage
Provides insurance coverage for loss, not including loss of earnings or profit, you sustain by reason of extra expense you necessarily incur in the event of an interruption, postponement or cancellation of a production as a direct result of the action of a Civil Authority acting within the United States of America that revokes your permission to use or prohibits access to property or facilities. Any limit provided by this insurance is included within and is not in addition to the limit provided for Extra Expense Coverage.
Power Interruption Coverage
Provides insurance coverage for the interruption of power (electricity, steam or gas) required to complete the principal filming of an insured production. Any limit provided by this insurance is included within and is not in addition to the limit provided for Extra Expense Coverage.
Resumption of Operations Coverage
Provides insurance coverage for the extra expense required to resume the operations of your business, necessarily incurred during the period of restoration due to a covered loss to personal property. Any limit provided by this insurance is included within and is not in addition to the limit provided for Extra Expense Coverage.
Agency Reshoot Coverage
Provides insurance coverage for any additional expenses you incur or have agreed to incur on behalf of the advertising agency or advertiser if a covered loss under this policy results in a reshoot of an insured production. Any limit provided by this insurance is included within and is not in addition to the limit provided for Extra Expense Coverage.
Talent Cost Coverage
Provides insurance coverage for any talent costs necessitated by a reshoot, reschedule or abandonment of a production in the event of an insured loss. Any limit provided by this insurance is included within and is not in addition to the limit provided for Extra Expense Coverage.
Animal Coverage
Provides insurance coverage for extra expense due to illness, injury or death of the animal(s) scheduled on the application. In the absence of a Certificate of Health, scheduled animals are covered for accident only. Any limit provided by this insurance is included within and is not in addition to the limit provided for Extra Expense Coverage.
Equipment Breakdown Coverage
Provides insurance coverage for the breakdown, short circuit or other electrical injury, disturbance or malfunction, whether due to external or internal causes, of portable generators, camera equipment, sound equipment or lighting equipment. Any limit provided by this insurance is included within and is not in addition to the limit provided for Extra Expense Coverage.

Provides insurance coverage to pay sums which you become legally obligated to pay as damages arising out of injury to or destruction of the property of others (including loss of use) while such property is in your care, custody or control and is used or to be used in connection with a photographic production.

Provides insurance coverage for the value of personal property, including but not limited to cameras, camera equipment, sound and lighting equipment, portable electrical equipment, mechanical effects equipment and grip equipment, not including loss of use, owned by you or which is the property of others used by you and for which you are legally liable and which is lost, damaged or destroyed during the policy period, caused by the Perils Insured against, while such property is used or to be used in your business.
Office Equipment/Furnishings Coverage
Provides insurance coverage for the value of office equipment, furnishings, furniture and fixtures, including leasehold improvements and betterments used in your business. Any limit provided by this insurance is included within and not in addition to the limit provided for Miscellaneous Equipment Coverage.

Provides insurance coverage for money and currency:

  • In locked safes and vaults secured on your premises and/or locations used as temporary still photographic production offices and/or in hotel safes.
  • While in the custody of your approved agents in the course of and while performing their duties as agents.
  • While on your business premises during the normal hours of business.

Any limit provided by this insurance in included within and not in addition to the limit provided for Miscellaneous Equipment Coverage.

EDP Equipment Coverage
Provides insurance coverage for the value of Electronic Data Processing (EDP) Equipment which is your property or the property of others leased or rented to you or under your control and for which you are legally liable, and which is lost, damaged or destroyed during the term of coverage and resulting from a covered cause of loss. Any limit provided by this insurance is included within and not in addition to the limit provided for Miscellaneous Equipment Coverage.
EDP Software, Media, Data and Computer Programs Coverage
Provides insurance coverage for the value of Software including Data and Media, unused Media and Computer Programs which are your property or the property of others leased or rented to you or under your control and for which you are legally liable, and which are lost, damaged or destroyed during the term of coverage and resulting from a covered cause of loss. Any limit provided by this insurance is included within and not in addition to the limit provided for Miscellaneous Equipment Coverage.
EDP Extra Expense Coverage
Provides insurance coverage for the Extra Expense that you incur in order to continue as nearly as practicable the normal operation of your business as a direct result of physical loss or damage resulting from a covered cause of loss to EDP Equipment and/or Software. Any limit provided by this insurance is included within and not in addition to the limit provided for Miscellaneous Equipment Coverage.

Coverage is also provided for loss to EDP Equipment, Software and resulting Extra Expense due to electrical currents artificially generated when originating outside of the EDP Equipment. In addition, coverage is provided for Extra Expense sustained when as a direct result of a covered peril, the air conditioning system or electrical system necessary for your data processing system, is so damaged as to reduce or suspend your ability to perform the operations normally performed by the data processing system subject to a maximum of $10,000 each occurrence. Any limit provided by this insurance is included within and not in addition to the limit provided for Miscellaneous Equipment Coverage.

Provides insurance coverage for loss(re-shoot, recreate or reprogram) as you shall directly and solely sustain as a result of loss of, damage to or destruction of raw film stock, interpositives, positives, work prints, cutting copies, fine grain prints, transparencies, cels, art work (used to create animation images), software and related material used to generate computer images, used in connection therewith, caused by an insured peril when such property is your property or the property of others for which you are legally liable, while such property is used or to be used in connection with a production.
Library Stock Coverage
Extends Negative Film coverage to include original cut negative film of completed or released productions, duplicate negatives or other media which is considered library stock. The maximum limit is $10,000 for any one production or duplicate negative with a $250,000 maximum per adjusted claim and a $1,000 per adjusted claim deductible. Any limit provided by this insurance is included within and not in addition to the limit provided by Negative Film Coverage.

Provides insurance coverage for loss (re-shoot, recreate or reprogram) sustained as a result of loss of, damage to or destruction of raw film stock, interpositives, positives, work prints, cutting copies, fine grain prints, transparencies, cels, art work (used to create animation images), software and related material used to generate computer images, used in connection therewith, caused by faulty materials, faulty equipment, faulty editing, faulty developing or faulty processing when such property is your property or the property of others for which you are legally liable, while such property is used or to be used in connection with a production.
CAMERA OPERATOR ERROR ENDORSEMENT
There are two options available. The first option provides insurance coverage for the faulty manipulation or judgment of the camera operator or assistants. The second option provides coverage for both the faulty manipulation or judgment of the camera operator or assistants and for errors of judgment in exposure, lighting or sound recording. The limit provided by this insurance is included within and is not in addition to the limit provided for Faulty Stock Coverage.

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