That’s right, the statement on the title of this article couldn’t be emphasized more. With so many unfortunate incidents to the point that some even put them out of business, insurance can become a lifesaver before you know it.
As a professional wedding photographer Adelaide, these are the types of insurance that you can take out.
Property and liability
The public liability insurance and property insurance are often bundled as a Business Owner’s Policy. Public liability helps cover the damages you make indirectly when you work, such as when you break the property of a wedding venue when you’re in the middle of taking pictures. It happens when we’re too absorbed with the job that we bump into people and things.
It can also cover in the case of bumping into people and causing injuries that require a medical fee. The company will also cover for that. As for property, it will cover for not just the camera, but also everything else that is involved in the business, such as the lighting equipment, your laptop, your studio, etc. Remember to list every new equipment you purchase.
The amount covered depends on the premium you pay every year. Sometimes you’ll get to claim full payout for the full price of a new one that was lost and sometimes it’s a fixed amount.
It isn’t rare to see brides raging and going aggressively against a photographer whom she believed to have been ‘so disappointing, she could do nothing about the anger’. At that times, there’s isn’t much you can do to calm that person down but to bring it to the court. The company would be willing to cover the legal fee down to the compensation fee if you are required to pay it to the bride.
Professional indemnity insurance should be taken if you are a professional wedding photographer Adelaide like panacheweddings.com.au. Most of the times, clients are happy and satisfied, but in the case, you meet troublesome ones, you know someone’s got your back.
The great thing about this insurance is that company likes to give a discount to those that never claim for it. It shows that they appreciate photographers that keep their professionalism.
During the trip
Another bad thing that can happen is when an accident occurs in the middle of the trip to the venue. You can never predict it. Maybe on the way there, you’ll accidentally try to dodge a cat and bump on the sidewalk. We never know. This insurance is great for you who travel a lot to shoot weddings.
If you’re still a beginner
For those who are still looking if they want to become a wedding photographer and about to try it out, you can take a one-day photography insurance. It might not cover all, but it’ll be enough to keep you safe from possible accidents. One-day insurance is a great choice to see if you like working as a wedding photographer Adelaide.
Shows your professionalism
Clients like to see their photographers serious and taking out insurance can be the right way to prove it. It’s not a cheap investment, but if they know you do it, it’ll ease them in a way that they know you’re also serious about this job. It’s also something that a lot of wedding venues requires to show before working with them.