For wedding photographers Billericay, getting insurance is the same as getting a lens. It’s something that you must have to operate well. It’s very encouraging that if you haven’t gotten one by now, that you do your homework and start creating your own safety net.
Now, we don’t and will never hope that anything bad will happen to us. But no matter how much we hope, we know that accidents will sooner or later happen. As a professional, however, we don’t wait until that happens to begin looking for a way to prevent it. The best step to take is to prevent first before anything happens.
There are several types of insurance that you can get to cover various things a photographer can face. Here are what we’d suggest to our readers.
Business Owner’s Policy
Like the name implies, this insurance is meant for those that own a studio. The business owner’s policy acts like a public liability insurance and commercial property insurance.
Public liability insurance covers damages that happen when you accidentally knock down a vase at a wedding venue or damages the wall with your equipment that requires fixing. It also covers the legal fee when you are sued because a guest sprained his arms after knocking over your lighting stand. If you’re asked to pay the medical fee, your insurance will also cover it, too.
Wedding photographers Billericay like https://www.chriswoodmanphotography.co.uk can relate to this and will definitely do anything to not make the same mistakes again.
Property insurance protects the damages to your property, such as your studio, the furniture and things that you own that relate to your business. This insurance can also cover for the fee that you have to pay when you are strike with natural disaster and have to, for example, rent a new place to continue your business while your studio’s repairing.
We all make mistakes once in a while, let’s admit that. We’ve many times try not to forget about our things when we leave for the toilet. A moment’s mistake is all they need to steal that important gear off your seat. When that happens, if you have property insurance, you’re not that screwed. If you don’t, you’re very screwed.
Well, a lot of things can happen in a wedding and it’s always better to know that you’ve got your insurance backing you up. Make sure that your job is not hindered by these problems.
Professional indemnity insurance
When clients would like to believe that you are not giving them the quality they paid and agreed on, they can file a lawsuit. Professional indemnity insurance will then help cover all the necessary legal fee, such as hiring a lawyer, pertaining to this issue. If let’s say, you lose the court and is required to pay the penalty fee, your insurance is there to back you.
Most insurance companies that offer this will offer deduction to wedding photographers Billericay who have rarely received bad reviews.. As long as you maintain your reputation to be positive, your insurance company will be happy to help cover for you when you face a problem regarding your professionalism.