Does Photographer need insurance?

posted 3 years ago in Photos/Videos
Post # 3
256 posts
Helper bee

Absolutely.  What if he drops a camera on someone’s head and injures them?  That is the only silly example I can think of, but I would not want any vendor that does not have insurance.

Post # 4
631 posts
Busy bee
  • Wedding: August 2014

@melizabe:  The short answer: yes.

Having insurance is a MUST for a professional photographer, and coming across photographers without it would indicate they are new to the industry and/or are not doing business properly. I have seen many instances where newer photographers were uninsured, had all their gear stolen or damaged at some point close to another client’s wedding, and did not have the tens of thousands in cash on hand to replace that stolen/damaged gear in time for their next job (I see this SOS happening on private photography boards all the time and it is infuriating). I’ve seen other cases where a guest has tripped over camera gear and been injured and the photographer was wiped out because he didn’t have liability insurance to cover those expenses. These are just two examples of how not having insurance can destroy a business and be incredibly problematic for the clients who have hired the photographer.

Post # 5
395 posts
Helper bee

Yes. Yes. Yes. Liability, gear and errors and omissions. Unless you want to be left holding the bag for any negligence or errors. 

Post # 7
1315 posts
Bumble bee
  • Wedding: May 2006

Yes. If they don’t you haven’t hired a professional.

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