About Photography Insurance & How It Protects You

wedding photographer LeicesterBecoming a photographer is a huge decision. Your aim is probably to become a known professional in your city, country, or maybe even around the world. The road there can be different from each of us, but the starting point often doesn’t differ that much.

As you work to provide the best wedding photography Leicester, we’d like to help you see why insurance is an important part of your life as a photographer.

Protect your clients and yourself

The purpose of having an insurance is to protect you and whatever is insured. However, people often weight the premium that they have to pay against the chance of it happening. The problem with this is that none of us can ever know when something is going to happen to someone. We don’t even know if tomorrow we’ll break our camera as we drop it on our way home from work!

That’s the whole point why insurance is important. It can cover the damage wherever and whenever it happens. As long as it’s within the premises of the insurance, you’ll get full coverage on your equipment and everything else, be it to replace your lighting, camera or to pay the legal fee on the court.

Your client will also feel the benefit. Before anything, the client can guess that you take your job seriously if you go as far as taking out an insurance. Next thing they know you’re already wrapping up the problems that happened because you’ve got your insurance company to cover it. It keeps the whole experience positive for your client.

A wedding photographer Leicester provider from www.oliverkershawphotography.co.uk explains that having an insurance is the same as making sure your photography career won’t sink in the face of great adversity. You never know when they’ll happen, but you at least have a safety net ready all time.

Various photography insurances

There are many kinds of insurance that a photographer can get. They range from covering the loss, damages or cost to replace your equipment that is already enlisted to covering medical expenses.

BOP, or Business Owner’s Policy, protect your studio, equipment, and all tangible things that are related to your business. It’ll replace and even pay for the expenses to repair your studio and to rent a place to continue your business temporarily in case yours is damaged to the extent it’s not usable.

This policy will also cover the cost of replacing a third party’s injuries or losses caused directly or indirectly by you. If you break one of the expensive decoration at a wedding venue, your insurance company has got your back. If anyone’s injured because they tripped on your tripod, your company will also happily cover the medical expenses for that.

Professional indemnity covers the cost of your ‘reputation’. Say, a client wants to sue and demand compensation because she finds significant flaws in her pictures, you’ll need to prepare the legal fee to fight on the court. Your insurance will cover for that and in the case that you lose, you’ll still be covered for the mandatory compensation.

We don’t wish for anything bad to happen during our wedding photography Leicester session, but we do what we can. And that is to prevent it from getting out of hand and affect us too much.

You Should Be Careful with Wedding Photographers

alternative wedding photographer ScotlandHiring an alternative wedding photographer Scotland for your wedding is an important thing. And that is why you have to be careful when you plan your wedding photography. There are a lot of photographers who aren’t safe to be hired for various reasons.

It’s important to be able to spot the ones that you should avoid to keep the future of your wedding pictures safe.

1. They are expensive

A wedding photographer is expensive, we’ll be blunt about it. There’s no reason for a wedding photographer to offer their service at a rate that is too low; they won’t even be able to make ends meet! The reason lies in the quality that they preserve throughout the years. They maintain that in order to keep their clients satisfied.

2. Never too busy

A professional photographer is never too occupied and take up too many jobs at once. In order to maintain quality, they need to have enough time to focus on one client after another. It’s also the reason why they are not cheap.

You can ask your photographer how many wedding photography he works on every year. It shouldn’t go beyond 60 but shouldn’t be lower than 20-30 either. Too low means that he’s rarely hired and trusted for the job.

3. Real portfolios

Your photographer should also have several portfolios ready for you to look at. These portfolios have to be his real works and there are several ways to prove it. For example, you can see on lianamitrea.com that there’s a blog section. This section is where the alternative wedding photographer Scotland can talk their latest works.

Another way is to ask the photographer to bring even more portfolios when you meet up. This way, you can better judge the style and quality of the photographer based on the overall works, not just on the best.

4. Experience

If what you’re going to do with your wedding is something different than usual, finding someone familiar with the setting is preferred. Have your photographer show you his works on that couple.

Discuss it to see if your photographer can catch up and provide you with the solution and suggestions you like. Experience is also a big factor in determining if he’s prepared to face the worse during your wedding. An experienced and agile photographer is more likely to be ready and help you shot even when troubles come.

5. Contract content

Your photographer has to forge a contract with you. That’s the way you can be sure your photographer is serious and won’t run away. Before you sign the contract, be careful on the content of it.

There can be lots of fine prints spread out across the contract. If there’s anything you’re not clear about, ask and discuss it with your photographer. Only sign the contract once you can agree to the agreements and conditions in it.

Do not feel pressured to sign the contract just because it’s in front of you. If you know that the content isn’t as you’ve agreed and wanted, have the courage to reject and negotiate again. Or simply walk out and find a better alternative wedding photographer Scotland.