What Is in a Photography Insurance for a Leeds Wedding Photographer?

wedding photographyA Leeds wedding photographer can take a wide variety of photography insurance. An insurance package can protect many things for a photographer and it’s a smart move to make if you are serious about it. But you might want to know more what exactly is included in a photography insurance in general. Each company can have his own package, so be sure to check with yours beforehand!

Business Owner’s Policy

What is in a business owner’s policy? It’s usually a bundle of different things in it and we’d recommend you get this for starters. So, what’s protected if you take this bundle?

Firstly, your properties are covered if they are damaged or have to be replaced with a new one. All your photography equipment can be included in this package such as your cameras, lenses, and lighting equipment. How much is covered? It also depends on how much you want. The higher the premium, the higher is the coverage. And the compulsory excess is also lower with higher premium.

It will also cover the damage that you have to pay if, say, you accidentally injure someone with your equipment or damage a property at the wedding venue. The company is willing to cover the damage, legal fee, and even the medical fee that you have to pay up.

The BOP also covers your studio if you have one. It will allow you to rent a new place to continue your business and cover that fee if yours is somehow damaged to the point of unusable.

Professional indemnity

This one ensures that your professionalism is not compromised. It will cover the legal fee and compensation fee if necessary if your professionalism is questioned by your clients. A professional Leeds wedding photographer like www.kmattssonphotography.com will still want to get this insurance because there are always clients trying to give a chance to getting the wedding pictures for free!

Some people think it is not worth it because it doesn’t happen every time. And there are also alternatives when it happens depending on the person. Some photographers prefer to just send the pictures for free to his clients. Others might want to half refund the fee for a peace treaty. However, on the case that you don’t feel it’s fair, you might want to get this insurance.

The insurance company will also give you compensation and lower your premium if you are a loyal customer with few to zero claim issue. You will still have the legal fee covered if you happen to face the problem, but the premium is cheaper by then.

One-day insurance

At the case that you are still a beginner is still tasting the job, you might not want to get a whole insurance package for it. But even for a beginner Leeds wedding photographer, you can get a one-day insurance on the day you work. It will give you the basic protection that every wedding photographer will need.

A wedding photographer shouldn’t come to a wedding without a protection because things happen! If you can anticipate for it, why not?