close up of wedding bouquet

A Wedding Season Must: Wedding Photographer Insurance

As a photographer, you have the unique opportunity to capture once-in-a-lifetime moments for your clients and be part of their joyous events. Wedding season is just around the corner and busy times are about to start in the creative business world.

Whether you’ve only booked a few weddings or you’re planning on shooting every weekend, you need to protect your business from the risks you face every time you’re on the job. During photography sessions, you may face potential bodily injury or property damage, resulting in long legal battles. Wedding photographer insurance can help your business in a variety of ways.

Keep reading to find out just how insurance coverage can be an asset to your business strategy.

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1. Wedding Photographer Insurance Can Help Fulfill Third-party Requirements

Before you can shoot on location, many venue owners require you have wedding photographer insurance and ask to be added as an additional insured. By definition, an additional insured is a person or organization (not an employee or a friend) that can be added to your insurance policy by endorsement. When you provide additional insured status to a person or organization, your policy will protect that additional insured from claims arising out of your negligence.

Take this instance: a bride’s father-in-law trips over your equipment bag and breaks his ankle. He files a bodily injury claim and looks to you for compensation.

The father-in-law also includes the venue in the lawsuit to receive even more compensation out of the ordeal. However, you added the wedding venue as an additional insured and the venue was not responsible for the incident. Depending on the claim, they could be protected under the terms of your policy and won’t have to defend themselves in court.

2. Wedding Photographer Insurance Pegs You As A Professional

There are many ways wedding photographers market themselves to new clients, such as advertising themselves on social media or showcasing their portfolio. How can you stand out from the competition within the industry?

Wedding photography insurance can be used as a selling point for your clients because it shows that you are willing to invest in your business and will, therefore, invest in them. Insurance coverage can be a reassuring element that may put your clients at ease if something were to go wrong.

For example, if a client sustains an injury during a session and wants you to pay their medical bills because of your poor direction, our policy includes a $5,000 medical expense limit. This professional gesture of paying their medical bill could soften the blow and may keep them from taking you to court.

3. Wedding Photographer Insurance Can Offer Coverage For Third-party Expenses

Even a professional photographer like yourself can make mistakes on the job, there’s no way to completely avoid the risk of an accident occurring and your clients putting the blame on you. Are you financially capable of paying lawsuit fees on your own? For some people, lawsuit bills can be financially devastating and ruin their business.

The best thing you can do for peace of mind and to safeguard your business is to add photography insurance to your business plan. This type of insurance coverage is designed to respond to claims, such as bodily injury, property damage, or legal fees.

4. Wedding Photographer Insurance Can Cover Your Equipment

When you purchase an annual photography insurance plan from us, you also have the option to bundle your policy and add camera equipment insurance coverage for an additional premium. Our equipment policy offers tiered prices, so you can be sure you’re not overspending on coverage.

We can cover the following on and off premises and during transportation:

  • Cameras
  • Lenses
  • Lighting Equipment
  • And More!

Don’t Run Your Business Without Wedding Photographer Insurance

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As a business owner, you may feel like there are more important things to worry about than insurance coverage. Unfortunately, photography sessions can be unpredictable and it only takes one mistake to lead to an accident. You don’t want to leave your business vulnerable and wedding photography insurance can give you the peace of mind you need. If a client does take you to court, your insurance coverage may help out with the legal expenses and may keep your business afloat. Even if you aren’t found liable, you may still have a stack of legal fees to pay and wedding photography insurance can help you out with those unexpected expenses.

Wedding Photographer Insurance starting at $59

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Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

General Liability

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This coverage can protect your business from the cost of claims arising from damages done to rented spaces, like a studio or event booth. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. Full Frame provides unlimited additional insureds for just $30.

Camera Equipment Coverage

Also known as inland marine insurance, camera equipment coverage can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.