Insurances Wedding Photographers Must Have

wedding photographer HertfordshireWedding photographer needs insurance. Two big reasons that you should never ignore:

  1. For your clients’ assurance
  2. 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.

3 Objects To Include In Wedding Photography

Wedding photography doesn’t only involve humans.

Hertfordshire Wedding PhotographerIt involves the inanimate objects as well. These small things are actually what give your wedding album life. They are a take away from all the wedding pictures which contain people. After a while, pictures of people get monotonous. You may want to add flair to your wedding album. The best way to do this is by adding pictures of significant items during your wedding. These items have to actually mean something in order to be included in the album. They have to play a significant or symbolic role in the wedding. Have your Hertfordshire wedding photographer snap a picture of these three important pictures to complete the wedding photography album.

The first item is the invitation.

You should include a picture of it in your wedding photography album. This is a very important item. It is this piece of paper which informs the world of your wedding. It is the reason why your guests showed up at the right place, at the right time, in the right outfit. Without the invitation, the whole wedding would have failed. This small objects deserves to be photographed. Your Hertfordshire wedding photographer add in your album clear shot of this piece of paper. The details of the wedding should be clearly seen in the shots, along with your names. This is so the audience can get insights on how your wedding ceremony occurred. It will help them feel the wedding vibes. Have the wedding photographer have a shot of an open and closed invitation. Besides, you spent a lot of cash in beautifying the invites that alone should qualify it to be included in the wedding album.

The second item is the legal document.

The marriage contract picture is more of a photographic evidence rather than a lovable reminder. It helps the viewers see that the marriage really occurred. It wasn’t a random dream. In the symbolic sense, it represents the promise of the couple to be together despite the adversity they will face. The signatures of the couples seal that vow. This picture represents the turning point of someone’s life, how he moved from single to married. The Hertfordshire wedding photographer must include this picture in the album, preferably in the last page. This is to showcase to the viewer that the wedding ended in a success and so did the wedding photography. No lawsuits and drama needed.

The third item is the wedding dreams.

The tiny pieces of jewellery must never be overlooked in wedding photography. Just like the legal document, it represents the promise of love between the couple that they carry with them. The symbolic meaning of the rings makes them the perfect starting picture of the wedding album. The Hertfordshire wedding photographer should do his absolute best to snap the perfect angle of the rings. Be it on the couples hand or on the ring bearer’s cushion, the picture of the wedding rings must be flawless. A flawless picture of the rings will signify a flawless wedding photography that ended up in success.

Preparations of a Hertfordshire Wedding Photographer

wedding photographer HertfordshireA wedding is just like a movie where you have the main actors, supporting characters and the support activities. The main actors in a wedding is the wedding couple, the supporting characters are the wedding guests and wedding party while the supporting characters are the wedding vendors and service providers such as the wedding planner, caterer and wedding photographer. The same way the couple have to make the necessary plans for their big day is the same way the hired wedding photographer Hertfordshire Clare Tam-im also has to make necessary preparations for the wedding day to be a success.

It is highly encouraged that a few weeks or perhaps a month before the wedding, a dry run or rehearsal should take place. Here, the wedding photographer sets a date with the couple preferably on the same day of the week as that of the wedding. That is, if the wedding is to be held on a Sunday, then the dry run should also be held on a Sunday so that a proper analysis of the situations that arose can be done. For example, if there is traffic, the wedding photographer and couple can be prepared to time it and make necessary adjustments to see that this does not serve as a problem on the actual wedding day.

Conduct a dry run

A proper dry run should start from the house or place of residence of the couple just like in the real wedding as this is where the partners are likely to leave from as they head to the venue where the ceremony will take place. If the reception area is available, then it should also be a part of the dry run but if not, somewhere close by should do. For a couple looking forward to their wedding day, the photographer may not have to task herself into getting them to stimulate the actual feelings of the day. The photographer also gets the opportunity to pinpoint strategic areas where special shots may be taken and make adjustments in tune with the suggestions of the couple.

At this point in time, visualizations as to how the wedding day would go would already be at the back of the photographer’s mind and important information like the names of the bridal party and wedding coordinator would be memorised. A wedding photographer is most likely aware of the fact that due to weather changes, the type of natural lighting to be expected in particular times of the year will differ. As a result, visiting the venue as at the same time and day of the wedding to be held to perform a test run provides the opportunity to assess the type of lighting needed on the actual day to get the best pictures.

Visit venue ahead

Paying a visit to the venue also provides the chance to evaluate areas that can create unwanted blurs and shadows so that the necessary tools or equipment needed such as fill, reflector and flash can be readied. If the weather forecast shows an abundance of sun or overcast day caused by rain, then the photographer can arm herself with the right equipment beforehand.