Wedding Insurance

Discussion in 'General Shop Talk' started by mortallis288, Nov 14, 2007.

  1. mortallis288

    mortallis288 TPF Noob!

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    I have been reading a lot and a lot of websites say that you need liabilty and malpractice insurance? is this really a necessity?
     
  2. Big Mike

    Big Mike I am Big, I am Mike Staff Member Supporting Member

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    http://www.thephotoforum.com/forum/showthread.php?t=95620


    It's no secret that more and more people these days (especially in the US) will sue at the drop of a hat if they think they can get rich quick. Having insurance is a way of protecting you and yours (family & personal finances)...if and when you get sued etc. What if, for example, you are on a shoot and someone trips over your camera bag, or a cord from your lights? That person may decide to sue you.

    Malpractice Insurance seems light it might be going a little overboard...but I'm sure that some photographers have been sued because the clients didn't think they did a good job. This is where a good contract comes in...most will have a line about limiting the liability to the cost of the photography package. However, sometimes a contract isn't enough to prevent them from suing you.

    I'd suggest you talk to a lawyer who is familiar with this type of thing, then maybe consult with an insurance agent.
     
  3. Alex_B

    Alex_B No longer a newbie, moving up!

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    oh ... and thought this thread was about an insurance in case you accidentally get married to someone :p
     
  4. Viperjet

    Viperjet TPF Noob!

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    What has this world come to??


    Yea...it might be a good idea, just to be safe. Even if it's your kid brother's wedding, a guest might trip over something...or get annoyed at a flash...or something dumb like that.
     
  5. Rrr3319

    Rrr3319 TPF Noob!

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    :lmao: i hate it when i start giggling at my computer screen at work
     
  6. Alex_B

    Alex_B No longer a newbie, moving up!

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    bad boy ... you should be working there not posting at forums ;)
     
  7. Rrr3319

    Rrr3319 TPF Noob!

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    i'm a bad girl actually... and i am working... very hard... yes, yes, very very hard. lots of work happening here, i can assure you...:sexywink:
     
  8. Alex_B

    Alex_B No longer a newbie, moving up!

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    Same here!

    Errm, not about being a girl, but about all the work ;)


    Sorry for the gender mixup ;)
     
  9. Rrr3319

    Rrr3319 TPF Noob!

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    not a problem. it's pretty hard to tell by Rrr3319. now if my name was PrincessFooFoo or something, there'd be a problem.:)
     
  10. mortallis288

    mortallis288 TPF Noob!

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    my apologies big mike for posting this in the wrong place
     
  11. wildmaven

    wildmaven TPF Noob!

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    Insurance for my business only costs about $500 a year, so it's worth it to me. If someone falls off of their stool in the middle of a portrait shoot, I'm covered. :)
     
  12. Alpha

    Alpha Troll Extraordinaire

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    I know a lot of wedding photographers who've gotten out of the business because they've been sued or seen too many others get sued.
     

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