Wedding photographers provide lasting impressions of their clients’ special day. The service they offer is highly prized and impossible to replace if lost or damaged. That’s why it is important for photographers to purchase wedding photographer insurance. Policies can not only cover the photographer against unexpected errors with the photos, but also protect their equipment and assets.
Wedding photographers are hard-working professionals who enjoy capturing special moments in people’s lives. They earn a living spending their nights and weekends taking pictures, editing, and creating photo books to hold important memories. The last thing they would want to happen is a dissatisfied customer, an injury while on the job, or a camera failure. Having the proper insurance will help to protect you and your growing business.
If you are a professional photographer, you cannot insure your equipment under your homeowners policy. Only amateurs and individuals who take pictures for their own personal use can take advantage of their homeowners policy in this manner. Professionals need to purchase separate insurance. Wedding photographer insurance policies often include:
1. General liability insurance to protect the photographer against injury caused by themselves or their equipment. It also includes equipment insurance to cover the cost of damaged or stolen cameras, computers, etc. It will help to cover medical expenses and legal costs if the injured party decides to sue. In addition to bodily injury, general liability insurance will also cover property damage. So, if your light stand, reflector, or boom falls over and puts a hole in the wall of the church or venue, your insurance will help to cover the repair costs. Most wedding photographer insurance policies offer either $1 million or $2 million in protection per occurrence and a similar amount in annual aggregate costs.
2. Professional liability insurance will protect against unexpected errors in providing their professional service, such as hard drive failure causing loss of photo images. A client could file a lawsuit that charges you with failing to deliver intended services. This type of insurance will cover you in almost all forms of negligence. This includes dissatisfied customers. Even if you didn’t make a mistake, but the client thinks that you did, wedding professional liability insurance will cover the costs.
3. Business owner’s insurance is not just for larger companies. It is available for single-person business operations as well. There are a variety of small business insurance options to choose from, including property insurance for your office, business interruption insurance, vehicle coverage, and crime insurance. If anything should happen to your lights, stands, camera, or computer, insurance for your personal property will help pay to replace the equipment.
According to one photographers’ online resource guide, having the right insurance tops the list of the five most important “legal things” that photographers should consider. The site especially recommends general liability and equipment insurance. The other forms of protection include having additional equipment if you experience a failure during a wedding photo shoot, having your clients sign a contract, having any photography assistants sign a service agreement, and gaining wedding photography experience. With these five components, both the photographer and wedding couple can have an enjoyable and rewarding experience on the wedding day.
While there are standard types of coverage that most wedding photographers should have, the costs and special add-ons will differ depending on each photographer’s business. There are several different professional photographer associations that offer insurance. An agent will ask you questions about how the equipment is stored and how you travel with your camera in order to learn more about your unique needs. However, an independent insurance agent will have the knowledge and experience to help wedding photographers craft a wedding photographer insurance policy that will protect their business and allow them to concentrate on capturing memories.
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