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Survey Question #18: Does my photographer really need to be insured?

If you asked me 10 years ago, does a photographer need to carry liability insurance, I would have probably looked at you crazy. Why? At that time, I knew of nobody that had been injured or killed while taking a photograph. I would have told another photographer, "Just cover your gear and you're good!" Today with photographers taking photographs on more and more railroad tracks (usually illegal), private property, and other places; placing clients in danger, I have done a total about face on this subject. 

One of the first weddings I've ever shot, I ended up booking, because the other photographers did not carry liability insurance. The venue required only $100,000 at the time, and I was covered for that. I didn't think anything of it though, until after the fact when I found out why I had won the booking, and started seeing more and more venues require liability coverage. These days, usually between $1 Million and $5 Million at some of the premium venues.  

Simply put, EVERY vendor you work with should be insured for the unforeseen. In most cases, the insurance is pretty affordable, and there are companies who specialize in photography studios and businesses. This is a legitimate question to ask your photographer, and the answer should always be, "YES!"

If you find a vendor who DOESN'T carry basic business liability insurance, be very concerned. This could be a signal that he doesn't have the other requisites in running a legitimate business in his state or city. Hope for the best, prepare for the worst. 

LD

Leighton DaCosta

LeightonD, LLC, PO Box 80065, Charleston, SC 29416, USA

Hello, I'm Leighton and I help people around the world tell their story. Let me introduce myself. Whether it's for online dating, or a professional profile, it always seems that the "About Me" section is always the hardest to write. Not because you have nothing to say about yourself, but because you want to be sincere, genuine, interesting, and brief all at the same time. I have never been a fan of writing about me in the third person, like: "Leighton DaCosta, was born in Kingston, Jamaica, and moved to Brooklyn, NY at an early age when his parents wanted to form a new life for themselves and their children. In the third grade, the family moved to Orlando, Fl, where Leighton considers his home town. After spending 3 tours in the Navy, he settled in Jacksonville, and now Miramar, Florida, where he now calls home. Today, still wanted by many, he does work as a fashion and wedding photographer. If you have a wedding(or photo shoot)... if no one else can help... and if you can find him... maybe you can hire... ok.. this is not The A- Team." But you see what I mean? What do you know about me? How can we connect? Did you know that my FAVORITE food is Pizza and Sushi? Or that my favorite color is Purple? When I go to the wine bars, I usually order Mimosas, because even the cheapest champagne tastes great with some good ole OJ. When I travel, I like staying in nice hotels. Not because of the name, (even though I AM partial to Hyatt) but because of the bathrooms. One of my favorite hotels is the Viking in Newport, Rhode Island. Small rooms, but AWESOME bathrooms. I LOVE TO EAT, and eating as much as I have, has led me to be about 100 pounds more than I was in High School... Yeah there is some muscle there, but if it was all muscle, I'm sorry folks, I wouldn't be taking photos, I would be retiring from the NFL. If you want to see some of my favorite dishes, follow me on Instagram. Because of that, I find myself now in the gym more than ever. Trying to stay fit and alive... I workout, so I can EAT! Well that's enough for now, if you want to know more about me, follow my blog. Better yet, I want to find out more about YOU. So let's talk!

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