You might have heard about Wedding Photographer Insurance and wondered do you even need it? Weddings are obviously held in an environment of high- stress in addition to being expensive. In case, a wedding photographer messes up his/ her job, the client can definitely sue them for ruining the big day. Affording a lawsuit is again expensive for a photographer and having an insurance policy in place can ease you to afford the expenses. These are the following three policies for wedding insurance:
- General liability
- Business Owners’s insurance
- Errors and Omissions
Wedding Photographer Insurance: General Liability Insurance
This insurance policy covers the third- party lawsuits regarding property damage and injuries. For instance, if a person accidentally injures himself/ herself because of the mistake of a photographer, the insurance policy can cover the expenses of a lawsuit and the property damage. In case a wedding photographer is shooting a marriage at a fancy location and he/she accidentally damages a painting, then the insurance policy may cover the expenses of a lawsuit.
Wedding Photographer Insurance: Business owner’s insurance policy
This is a budget policy for mediocre photographers to help them save money of the insurance cost. This policy is a combination of Property Insurance and General Liability Insurance. It provides coverage for property and lawsuit expenses with reduced premium.
Wedding Photographer Insurance: Errors and Omissions Policy
This policy covers the disputes related to your photography, which is particularly beneficial in case your client is fussy about every single detail of their photographs. They may file a suit for even minor problems such as if you could not press the button at an important moment, deleted a precious photo accidentally; deliver photos that could not satisfy your client, etc. At such circumstances, you can protect yourself with E&O policy to pay for your legal expenses and damages.
How to protect yourself on the day of wedding
- Failure of memory cards
Sometimes, the memory cards simply refuse to respond because of unexplainable reasons and you cannot say sorry to your client at such times. Since you have to be answerable for the memory card malfunction, it is better to carry several memory cards with different storage capacities. Moreover, you must keep them in a safe case meant for memory cards only.
- No show
Despite your best intentions, you may not be able to show up on the wedding day because of sickness, accident. Even if you send a replacement, you may not satisfy your client. It is better to have an insurance policy for such emergencies.
- Unforeseen weather
You may encounter unforeseen weather and you just cannot shoot outdoors. It is recommended that you have an alternate indoor location and have an additional lighting system. You can also hire an assistant to carry your equipment in case of bad weather.
Having a wedding insurance gives more confidence to the photographer and it shows their seriousness towards their profession as well. Being a wedding photographer, you should buy a Wedding Photographer Insurance so that you do not have to bear the expenses on your own in case your client decides to sue you for any reason. Moreover, having an insurance policy boosts the efficiency level since you know that you have insurance coverage for any kind of unforeseen event, for which you may be held responsible. You may not err deliberately, but it is better to be safe than sorry.