One of the most common questions I am often asked by potential brides and grooms is “do you have insurance?”. With so many venues requiring that from outside vendors, it’s natural that they need to know up front and I’m always happy to say YES! I absolutely have general business, liability, and equipment insurance that covers my business. But the why of that is so much more important and something I’d like to explain a bit further.
Insurance is essential to any successful business and isn’t something that just protects the business owner; it also protects their clients. It goes with out saying that even on the most well-planned wedding day, accidents or unforeseen events can happen. Photographers find themselves often at the mercy of their equipment; digital photographers can experience corrupt memory cards while film photographers struggle with the postal system losing their rolls of film. There are, of course, things that can be done to mitigate these losses (For example, I have a dual card reader that writes images simultaneously in my camera so if one card corrupts, the other card serves as a backup. Or when mailing film, I always send it tracked and overnight so there is a less chance of them having time to lose anything!), but regardless, things still happen! Additionally, think of all the situations that can occur when hosting large groups of guests: Aunt Sally could trip over my bags and break her leg or a drunk guest could knock over my light stand, destroying my equipment; thankfully neither of those things have ever happened, but it’s nice to know that I am covered if they do.
Trust me, I get it! You don’t want to think about your wedding day being anything but perfect and it shouldn’t have to be! However, I think you’ll find peace of mind in knowing that your vendors are completely covered; it not only shows their preparedness, but also their professionalism. If you find yourself talking to someone who doesn’t have insurance, I would highly encourage you to explore other options or you may find yourself in an unfortunate situation down the road.