A true professional will make sure that they are covered in case of any accident while working on the job. In traditional business it would be the equivalent of Workman’s Comp insurance. Workman’s Comp protects the employer and employee should there be an accident on the job.
Liability insurance for a photographer is essential. It protects you, your equipment, your clients, and their guests against accidents. Case in point – I was photographing a wedding for a couple in where I was shooting a large family shot. All of a sudden, I not only had MY camera, but about 6 others from family members all wanting me to take a shot with their cameras. Well, you guess it – I dropped one! I FELT awful, but was able to tell the guests that I would happily replace their camera as I had liability insurance to cover the damaged camera.
I have since stopped taking pictures with other’s cameras, but I was glad to have my Liability insurance in place to help cover the costs of an accidental “ooops”.
Smiles,
Berta
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