Becoming 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.