Wedding Photography Insurance Part 1
Wedding Photography Insurance Part 1
We’re beginning this week’s set of articles on quite a heavy topic, but it’s okay because here at Weddit, we try to make things as simple as possible for you guys out there to understand and act on. Insurance is a broad topic, but when it comes to wedding photography insurance, we think that’s it's important to understand exactly what you need to do to get yourself in order as a wedding photographer. After all, you’re responsible for yourself and your equipment, which of course makes up your photography business as a whole. So, sit back, grab a cup of something and listen to what we have to say about wedding photography insurance...
Weddings are full of enough stress as it is (well, at least for the Bride they are). Of course, the ceremony is beauty and once the reception is in full swing it would have turned out to be a pretty darn good day for everyone and we’re sure for the Bride and Groom it’s one of the best if not the best! So, the last thing anyone wants the hassle of dealing with is legal trouble. As a professional in your field, it’s your job as the wedding photographer to take responsibility and fill in the legal gaps that may not be necessarily apparent to the client to ensure their day goes off without a hitch. An event as special as a wedding cannot be repeated, as there is great monetary and logistic investment taken by the client just to get to that stage. Of course, it’s not impossible, but most people won’t have thousands of dollars like cash on the hip to throw your way and do the day all over again, so make sure you get it right the first time around. Let’s take a look at the key legal things you need to help protect you and keep you on the road to success!
Wedding Photography Insurance #1: Insurance Policies - No matter the business formation chosen insurance should be secured to fill the gaps that contracts and formations may not provide. At a minimum a wedding photographer should carry liability and equipment insurance. The liability insurance is a must to bridge the gaps between business formation and contract protections. This insurance protects the insured, the Photographer, from risks of liabilities of lawsuits and other similar claims. This will protect the Photographer, and their business, if they are faced with a lawsuit arising from the wedding. It’s also important to note that many wedding venues will ask you as the photographer to provide proof of your insurance before they engage in any type of business with you. This is of course for their own protection as well as yours. After all, it is their property, right? The equipment insurance acts to aid the photographer in fulfilling future commitments if equipment is damaged/lost.
Wedding Photography Insurance #2: Back Ups - Due to the “can’t re-shoot” nature of weddings having back-up measures in place is not only a smart and common-sense move, but is a professional requirement. These backup measures include back-up equipment and back-up photographers. No matter how much care you give to your equipment, technology can sometimes fail, so don’t be too trusting and put all of your eggs into one basket. You could be the best kind of person to look after something so expensive yet delicate and have it let you down there and then. Having a back-up setup, cards, batteries is essential and that’s the bare basics! Further, sickness or accidents may arise that prevent the primary photographer from fulfilling their duties, therefore, a back-up photographer should be on stand-by in the event of an emergency. Always have a backup plan and never leave your clients in the lurch!
To get started with our wedding photo editing service, you can create an account here. Photo + editing credit: All images in this blog post edited by the team here at Weddit and photographed by Lukas Griffin.