Are you starting off with a small wedding photography business? You may think that all you need is a camera to get going, but that could not be further from the truth. It is important to have insurance for your business, even if it is starting off small with very few clients. Here are some reasons why it will help to have business insurance.
Personal Injury Protection
Even a basic wedding video setup requires a bit of equipment. This can include lighting that is set on a tripod so that the flash can extend across the banquet hall. Unfortunately, this equipment can become a hazard to wedding guests, who may accidentally trip over it and injure themselves. You will want insurance that will provide you with protection from personal injuries to guests that you are in some way responsible for.
Equipment Protection
The safety of the guests is not the only thing you need to think about, since the safety of your equipment is just as important. A guest taking out a light on a tripod also means that you have lost one of your crucial pieces of equipment that need to be replaced. You can purchase business insurance to protect you against equipment broken by other people while on the job.
In addition, business insurance can also provide you with protection against theft. Camera bodies and lenses are very expensive. If you do not own the equipment, you are most likely renting them from a local equipment rental house. You will want some protection in place for if somebody were to steal a piece of equipment if you were not looking.
Property Protection
Property damage can happen when you least expect it. You may be leaning against something at a venue trying to get the perfect shot, only to knock something over and cause quite a bit of damage in the process. Business insurance can provide you protection against these types of accidents as well.
Workers Compensation
Workers compensation can provide you with protection if you or another employee were to become injured while on the job. This can easily happen while trying to carry heavy equipment into a venue, or even while walking backward to capture a special moment on film. This insurance will help cover the cost related to medical bills and lost wages for an injured employee, including yourself.
Work with a local business insurance agent to find out more about how they can help protect your business. For great information about protecting yourself, talk with the professionals at Scovotti Insurance.
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