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.

Things Every Bride Should Have In Her Checklist

Draft up your checklist.

wedding photographer hertfordshireWeddings are extremely important for all of the brides out there to focus on. In order for you to plan out the perfect wedding celebration or event, then you need to have a fairly comprehensive checklist. It can be quite easy to miss out on a few things every now and then especially when they start being hectic. It can be a little too much for some of the brides out there. You shouldn’t overestimate yourself and think that this is something that you will be able to handle right off the bat like a pro when you haven’t really done something like this before. A checklist will save your life and will save your wedding. It is important that you organize things accordingly so that you end up getting everything that you could possibly want or need while you are at it. Here are a few things that you should never ever miss especially if you would like things to pan out to perfection when it all comes down to it.

Products and services.

Finalize your menu as well as your wedding flowers. This is the type of thing that your professional wedding photographer Hertfordshire will really be able to go ahead and appreciate at the end of the day because it will give him all of the right materials to work with so that he can come up with great wedding photos of your special wedding day when it all comes down to it.

Photographer.

Carefully sift out your photographer options and make sure that you have the perfect wedding photographer Hertfordshire to shoot your wedding so that you will be able to get all of the best photos out of the event. You need the right and the perfect professional to get things done for you. The point is that you should choose carefully and you should be as selectively as you possibly can. It’s OK for you to turn down a few options every now and then if you honestly think that he will not make the cut. Go with your gut instincts and go through the details of the coverage early on so that you can sort out the kinks accordingly.

Briefed speeches.

You should also make a list of the people who will be giving out toasts during the reception. Toasts can be uncomfortable and unpredictable and this is never a good combination for the nervous bride to have to go through with at some point or so. This is something that you should aim to take into account one way or the other. Choreographed speeches are the most ideal things for you to take care of but if this isn’t the type of thing that the people that you are inviting to be your speakers, then you should at least mark out the parameters of the speeches that they will be giving out.

There should be nothing embarrassing or anything like that at all. Go out of your way to make sure that you talk things out with your guests of honor as much as possible. Planning things out in advance will work out in your advantage because of the fact that there will be little to no surprises at all during the moment that you get there.

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.