While your clients might be all flowers and sunshine about their weddings, being a wedding photographer Essex that is serious about the business needs you to fill in the legal needs of the job. There are various things one may have to pay attention to from insurance to clauses on the fine print.
We want to prevent as many accidents and heartbreaks during these happy moments, that is why we strongly suggest that all photographers pay enough attention to this topic.
Public Liability Insurance
This insurance is a must for every photographer. The Public Liability Insurance has helped many others in facing lawsuits and legal fees. Damages that are done by or to a third party can be covered by this insurance. So, for example, you accidentally knock on an antique or paintings and cause permanent damages to them and the owner decided to sue you, this is the insurance that will help you cover the damages.
On the other hand, public liability will also help you cover things up when injuries happen to someone as a result of an accident. You never know when someone will trip on your lighting equipment and break… something. Public liability is able to cover the medical fee you are demanded of.
There’s nothing more important than your equipment. Let’s say that your camera was stolen two days before a job. There’s nothing worse than losing that one thing you always work with. And there’s no saying that the thief only stole your camera; you can be losing a lot more than just that!
Equipment insurance will help cover the damages and loss of your photography equipment from camera, lenses, to your computer. The amount replaced will depend on the type of insurance you got and the amount of premium you pay.
Professional Indemnity Insurance
Sometimes, you’ll meet perfectionist clients who only want to see the best in their wedding album and pictures. Well, of course, any professional wedding photographer Essex are subject to mistakes, like www.justin-bailey.co.uk, but It’s only a matter of time until you meet the wrong client at the wrong time.
They can sue you for ‘unsatisfactory’ results from the services you provided. This can range from incomplete pictures to the loss of data due to accidents from your side. When that happens, professional indemnity insurance can help cover the legal fees for this case and the compensation fee that you are obliged to pay.
Business Owner’s Policy
Business owner’s policy is the complete bundle that many insurance companies typically offer. They include public liability, equipment insurance and many other physical fees and damages that are done unexpectedly. They don’t usually include professional indemnity insurance in it.
This is a complete coverage that most photographers got. It helps protect them from not just the loss of their property, but also in the case that a fire caused their studio unable to operate, or anything else, and the fee that you need to pay to rent a new place during the repairing time.
Most venues want to see their wedding photographer Essex able to provide the proof to this insurance. At the same time, you can also show this proof to your client and tell him the benefit of it. This is an advantage for you in terms of safety compared to some other photographers.