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How To Be A Successful Wedding Photographer

As a professional photographer, you have the opportunity to capture the intimate moment when two people vow to become one. When it comes to shooting your client’s wedding, you know the proper shots, angles, and exact moments to snap a picture. What you might not know about is the benefit of wedding photography insurance and how its unique benefits can greatly help you become more successful.

So, how can wedding photography insurance help?

Let’s dive in.

1. Insurance for Wedding Photographers Fills Gaps in Contracts

 

Photographers may sign contracts with their clients, but a wedding venue may not allow a photographer to operate on premises without liability insurance. Once you have wedding photography insurance, you can add the wedding venue as an additional insured to fulfill most venue requirements.

What Is Wedding Photography Insurance?

Simply put, wedding photography insurance coverage that protects you from claims of bodily injury and property damage caused by a third party. In the event of an accident, an insured’s policy could cover potential legal and medical expenses.

Below are a few examples of bodily injury and property damage claims photographers may face.

Bodily Injury Claim Examples:

  • A client falls at the photographer’s studio and breaks her arm
  • A lighting fixture falls and injures a client
  • While posing outside, a client trips over a rock and is injured

Property Damage Claim Examples:

  • A photographer sets up a lighting tripod in a client’s home; it falls and breaks a window
  • A photographer’s lighting equipment cord short circuits and burns the client’s carpet
  • While moving a tripod in a client’s home, you scuff and damage their floor

Should any of these events occur, insurance for wedding photographers could protect you from impending legal fees, property damage claims, and medical bills.

What Is An Additional Insured?

An additional insured is a person or organization (wedding venue owner, event holder, etc.) that is not included as an insured under your insurance policy.

You may be asking yourself, “Why would a wedding venue require me to add them as an additional insured on my policy?”

Well, a wedding venue may require this addition because it could protect them against claims caused by your negligence filed on their premises. To help illustrate this point: in a recent claim the photographer told the bride’s family to gather for a group shot. While walking to the group photo, the father of the bride tripped and hurt himself. He then sued the photographer for bodily damage and also filed a lawsuit against the wedding venue in hopes to get more money.

With the wedding venue listed as an additional insured on your wedding photography insurance policy, they could be protected under the terms of your policy if a claim is filed.

2. Camera Equipment Insurance Protects Your Tools

 

Should an accident occur, replacing one piece of camera equipment could cost thousands of dollars. A loss of this magnitude could place a significant financial strain on your bottom line and affect your ability to continue working with clients.

Purchasing a separate camera equipment insurance policy through Full Frame Insurance provides coverage for your cameras, lenses, lighting equipment and other photography gear on and off premises. When you are capturing photos at a venue you have little experience shooting in, you can have peace of mind knowing your equipment is covered.

3. Wedding Photography Insurance Makes You More Marketable

 

Marketing yourself as a wedding photographer who carries a wedding photography insurance policy comes with some serious perks. Full Frame Insurance is a reputable carrier that offers “A Rated” coverage to all of its customers. In fact, we even offer an insurance badge that can be attached to your personal website immediately after purchase. This badge alerts customers that you have gone the extra mile to protect your business.

Beyond displaying the badge, you can share with your clients that you are an insured photographer via your personal business cards or social media bios to improve your credibility. Clients find comfort when they work with an insured photographer, because they know if things were to go wrong they could be covered.

4. Wedding Photography Insurance is Affordable and Easy to Buy

 

Wedding photography insurance doesn’t have to break the bank. In fact, Full Frame offers coverage starting at $99/year.

Coverage Details

  • General Aggregate Limit $2,000,000
  • Each Occurrence Limit $1,000,000
  • Damage to Premises Rented To You Limit $300,000 (any one premises)
  • Medical Expense Limit $5,000

Full Frame’s wedding photography insurance is easy to obtain through a quick quote-to-coverage process that is handled completely online in less than 10 minutes.

Discover how you can protect yourself today with wedding photographer insurance!

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Cyber Liability

Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

Professional Liability

Professional liability insurance can protect your business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Additional Insureds

When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

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

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

Damage To Rented Premises

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.