Wedding photographer needs insurance. Two big reasons that you should never ignore:
- For your clients’ assurance
- For your own assurance
Sometimes, you will be met with unfortunate accidents in a wedding party. A quick example is when someone bumped onto your kit and broke a lens. When this happens, like it or not, disputes happen and both of you can’t let go of the incident just like that. Many times, these problems lead to sour relationships and awful ratings and reviews on your side, if only you had an insurance to cover for the accident.
These are the 3 main insurances that every wedding photographer Hertfordshire must have!
1. Public/General Liability Insurance and Property Insurance
Typically, liability insurance protects you from legal lawsuit against you when your clients or any-third party members are injured or any property damage is done when you are working. Examples of these are:
- Property damage such as broken tripod, camera or coffee of your guests expensive jacket
- Body injuries such as guests tripping on your equipment, lightning stand that fell or flash that triggers panic attack
- Defamation of your clients
- Self injuries like… well, tripping yourself and splinting your ankle
When these things happens, your clients have the right to sue you (except when you injured yourself) and this type of insurance can protect you and cover you for any fee of lawsuit and settlement. Some insurance companies also cover medical expenses in case that the third-party or your clients require you to only pay for the medical expenses.
Business Owner’s Policy
This is a type of insurance when you get both the general liability and property insurance in a bundle. Usually insurance company will give you a cut of price when taken together.
2. Professional Insurance/Errors or Omissions Insurance/Malpractice Protection
This type of insurance comes in many names, but the content is the same. In other words, when you fail to prove your professionalism as stated on a signed contract by having ‘errors’ or ‘omitting’ certain points you have promised to deliver, your clients can sue you.
- In rare occasions, your camera, lens, or memory card may be broken in the midst of working and you cannot continue taking pictures
- Failure to take pictures that your clients stated in a shot list after an agreement
- Failure to present pictures in promised quality
- Loss of data due to corruption of malfunctioning hard drives, memory cards, etc.
When such problems arise, you can be sued for negligence and professional insurance will cover for the fee.
3. Crime’s Policy
As a photographer working with expensive equipment and cameras, crime policy protects you from several crime cases. Typical cases that are insured are loss of equipment, money, check, drafts, cameras, photos or data.
For example, you might be woken up 3 am in the morning after hearing sounds from the first floor. It appears that a thief has broken into your house and is attempting to steal your cameras, laptop and several other stuffs. In the case that you manage to drive him out, you’re doing good. But if you fail and there’s a wedding you need to attend to in the evening, you are most likely screwed.
Every time we set out for a wedding photography, we are determined to do our best and none of us wants anything bad to happen. Yet, things happen and when they do, if you are a wedding photographer Hertfordshire with insurance, you’ve saved yourself the pain of losing a sum of money and your business.