Does having an insurance really make a difference? For one, it surely makes a difference in your expenses annually. But besides that, what is in it for you? We notice how several wedding photographers choose not to get one. Yet, we heavily advise against it if you really want to become a professional wedding photographer Andover.
To understand this, we know you need to know the reasons. So, let us tell you why insurance can help you become a professional and the benefits that outrun the cost.
Protects your property
As a photographer, you have to invest a lot in equipment, software, tools and of course, a space. All those things are an investment to ensure that people can find you and you can work. But what if natural disaster just chose to sweep through everything you had? What will you do then?
A wise person knows what he’s facing and prepare for it. If you know that you are working in an area where natural disaster such as big storms or tornadoes can sometimes happen, you prepare for it. You cannot prevent the disaster, but you can prevent the lost by letting an insurance company cover for the loss. You can even be covered for the fee that you need to rent a separate space to continue your business!
Another example case would be theft or robbery. You know that criminals aren’t impossible; they happen everywhere. In a split second, you can lose your camera you work with and left with nothing to use the next day. Let the company cover the full price of a new camera of the exact same model and you don’t have to worry about buying a new one to get to work tomorrow.
A professional wedding photographer Andover like www.danishapple.com won’t be the type that rants to her client because she lost her camera. Losing it in the middle of a wedding is one of the most common issues and it does make your relationship with your client sour on top of that. It is very unprofessional to say that you have to spend another $3,000 when if you had insured it, you could have gotten away with a new one with little issues.
Injuries in wedding caused by your equipment can also cause a headache. Especially when the court requires you to pay a sum of money just because the other person sprained his ankle. The insurance company even cover the medical fee if necessary as well as the legal fee and all these would be a breeze if you had insurance.
What about breaking something at the venue when you work? It’s a disaster when you accidentally break decorations or lean on something old and cause it to fall. When demanded to pay, the whole issue could have been solved if you had insurance that will pay for you. Yes, that’s right, insurance for photography will even take care of this kind of thing!
Many wedding venue owners only let an insured wedding photographer Andover to work as well. You can think of it as an additional qualification to work in certain places!