Wedding season is in full swing and we understand that on the big day, behind every happy couple is a photographer trying to get the perfect shot. Whether wedding photography is your main specialism or perhaps you’re a photographer doing a favour for friends or family getting married, it’s vital to have the appropriate cover in place to protect you, your equipment and your reputation.
Here’s what every wedding photographer needs to know to stay covered;
Public Liability Insurance
Public Liability insurance is vital should you face third party property damage or injury caused by yourself or your business. Imagine someone tripping over one of your lights, or a cable and seriously hurting themselves. It’s a fundamental insurance that protects you should the worst happen on the big day.
Equipment Insurance
No one wants to find that your precious camera, laptop, lights, or mobile phone have stopped working just before the big day. Quite simply, Equipment insurance will pay for your kit to be fixed or replaced, whether you own it or have hired it in. It’s always sensible to keep a list of all your equipment with a note of their value or equivalent (if no longer manufactured) should you need to replace anything, doing this always saves you time should the worst happen.
Professional Indemnity Insurance
What happens if the happy couple are disappointed with their wedding photos? If your photos don’t match up with their expectations, you could face allegations of negligence and a claim could result. Professional Indemnity insurance is especially important for commercial photographers as it – amongst other key areas – protects against any errors & omissions in your professional work.
Employers Liability
If you use an assistant to support you on the big day, it’s vital that you have adequate Employers’ Liability in place. This provides you with protection from legal costs should an employee sustain a bodily injury during the course of their employment.
