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Business Insurance for Newborn Photographers
Behind every perfect shot is a business that needs serious protection.
What sets RVNA apart
Capturing newborns is delicate, high-stakes work. You travel to client homes, use specialized props, and maintain a calm, safe environment. Your insurance should reflect that.
Built for professional photographers: With over 30 years of experience, RVNA policies are tailored to your real-world risks—damaged props, client injuries, or unexpected incidents during shoots.
Support from people who understand your work: Our team understands the photography business, especially the needs of newborn photographers. Call for clear answers on coverage, limits, COIs, and more.
Simple, Flexible Coverage: Quote, customize, and purchase your policy online. Make updates, generate COIs, or access documents anytime through your online account.
Claim Support That’s Always On: Report a claim anytime, day or night. No waiting for business hours.
Unlimited Free COIs
Studios, hospitals, birth centers, and even private clients often require proof of liability insurance.
With RVNA, you can:
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Generate unlimited Certificates of Insurance at no extra cost
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Access and send COIs instantly through your online account
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Meet venue requirements quickly and professionally
Need Help Fast? Call Us.
Client Expectations & Liability Protection
Clients increasingly ask for proof of insurance before booking, especially hospitals, shared studios, and in-home sessions. They want to know you’re running a professional, insured business.
Plus most newborn sessions happen outside of a traditional studio. Our General Liability coverage follows you—at home, on-location, or anywhere in the United States, so you’re protected wherever you shoot.
Why Newborn Photographers Need Liability Insurance
Newborn photographers often work in intimate environments: clients’ homes, studios, hospitals, and birth centers. Safety, comfort, and professionalism are essential. But even with the most careful setup, accidents can happen.
A parent might trip over a light stand. A sibling could pull down a backdrop. A piece of equipment might scratch nursery furniture. Any of these incidents could lead to property damage or injury, and you may be held responsible.
Liability insurance helps protect your business when the unexpected happens. It ensures that a minor mishap doesn’t lead to a major financial loss.
Recommended Coverage for Newborn Photographers
With coverage limits up to $6 million per occurrence and $7 million aggregate, RVNA’s General Liability insurance provides strong protection while you focus on your work.
This coverage applies whether you’re in your studio, at a client’s home, or working on location. It helps protect your business from expensive claims tied to injury or property damage.
In most cases, liability insurance isn’t just smart, it’s required by hospitals, rental studios, and shared workspaces.
The Best Equipment & Camera Insurance
Manufacturer and store warranties only go so far. They don’t cover the real-world risks photographers face on the job.
Warranties won’t help if a toddler knocks over your lens, your gear is stolen, or your equipment is damaged by severe weather like a hurricane or tornado. Our equipment insurance is designed for professionals who can’t afford downtime or the high replacement costs of essential gear.
Equipment Insurance Benefits:
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Can cover both owned and rented gear
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Pays full replacement cost
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Protects against accidental damage, theft, spills, and more
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No per-item value limits
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Includes editing gear, lighting, and other essential equipment
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 Newborn Photographers
Studio & Commercial
Work with high-end clients in controlled environments? We’ve got you covered.
- Covers owned and rented gear (if chosen)
- Replacement cost coverage
- Protection for studio, home, or client locations
- Liability for damage or injuries during shoots
Lifestyle & On-Location
Moving from nurseries to living rooms? Your coverage moves with you.
- Gear protection for mobile setups
- Includes editing laptops and tablets
- Rented gear covered
- Protection follows you throughout the U.S.
Part-Time & Solo Creators
Even small photography businesses face big risks. Protect your work from day one.
- Portable coverage for on-the-go shoots
- Theft and damage protection while traveling
- Covers cameras, lenses, editing gear, and more
- Scalable limits as your business grows
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.