Shots Photography

Stop Parking Domain Names
Powered by

Photography Insurance-Insurance for the Photographer

Part and parcel of establishing your own photographic business is establishing your own legal entity. This means establishing yourself for taxes. This is broader than the scope of this article, because every country has it's own business rules. Also every state in federal countries has different legal rules. The first thing you need to do is register your business according to your local rules, if you are unsure of this either take legal advice or go and see your local town hall and ask them about local legal requirements.

You then need to separate your private finances from your business finances. Even if you pay your bills with a credit card you should have a separate business card.

Once you have set up your business, then you have to ensure that that business is protected, and one of the ways you can do this is to insure yourself against risks to your business. Whilst you should be able to insure an overall business policy for your business you need to make sure that all the liabilities you face both fiscally and legally are covered. We live in a litigative society, and whilst insurance may seem an expense you can do without, it gives you peace of mind. You need to consider insurance for your errors, omissions and liabilities, as well as ensuring your equipment for loss or damage. You also need an insurance against a claim made as a result of an accident, occurring whilst you are conducting a photographic session.

All sorts of simple errors and omissions can occur between taking the photographs and giving the finished image to the customer. Film can get lost either through your fault or the processor's. Images may be lost whilst shipping, or in the postal system. Images may also be lost by private carriers, paying a premium price for services may not be sufficient, do you know whether or not you are covered by their insurance, and if you are what is the limit? Whilst it is possible for images to be lost in Cyberspace you should be able to cover those eventualities yourself, by having back up systems. You may release the images to the incorrect party. As well as this there may be a human delay and you may find yourself in the wrong venue, with no time to correct this.

There are other errors that you can be held responsible for this; your customers may sustain a personal injury whilst they are in your home or studio. It is advisable to protect yourself with liability insurance. If someone trips or falls over a piece of equipment, you can be held responsible for the damage. One of your customers may even trip and sustain and injury outside your house on the steps, but if they are coming to your house for business purposes, the business is often deemed to be liable.

Depending on what type of work you are doing you may need an insurance policy for your models. Supposing you take a model to photograph to an outside location and she or he is struck by lightning, or a stray horse, etc? You will also have to ensure that all your equipment is also covered whilst you are on location, as well as inside your normal working area. If you work internationally on location, it is very important to ensure that everything is covered on an international basis.

When you protect your equipment make sure that remember to insure all of it. This does not include just your camera, lenses, and other obvious pieces, but your computer, fax machine, as well as all your software. If you use all your own dark room, then there is that equipment to insure as well. Even if you are using your house, your office equipment will not be included on a normal domestic policy.

As well as all these things you need to have a type of health insurance that covers you if you are sick, or cannot make an assignment. Also what happens when your car breaks down, and you miss a wedding? All sorts of events can and do occur.

It is also normal for any individuals to cover themselves for loss of income. You need to have an insurance policy for this, not just for your health expenses, but to ensure that over basic bills such as mortgages or repayments are covered.

If you have employees, then the business of insurance becomes more complicated, you need to ensure against their actions against your customer's as well. Supposing they get caught up in a claim for sexual harassment, then you yourself are responsible. Each added little extra thing which you ensure yourself against will probably only add a few extra dollars to your annual bill, and the dollars spent may save a lot of heartache later.

You can ask to extend your private insurance to include a business package, or there are several companies that ensure the professional photographer's needs with a separate package of comprehensive insurance. It may also be necessary to extend your vehicle insurance for the transportation of equipment, or it may be cheaper to include such things as loss of equipment from an unattended vehicle on your business package. It is not advisable to assume that you are covered for liabilities on existing insurance policies; it is always safer to check.

Publisher & author: Roy Barker. Roy is the author of the popular ebook, Income from Photography - a downloadable ebook which guides the reader on how to start up and market a Profitable Photography business. It can be viewed at Other related and reviewed services & research sources can be found at You can find more detail relating to this article at The information on this and adjoining pages may be reprinted and used on other sites providing all information remains unchanged and the article and all pages remain as they are found here in its current font size & image with all links in tact.

The information on this and adjoining pages may be reprinted and used on other sites providing all information remains in the article and all pages remain as they are found here in its current size & image with all links in tact.

This Site Is For Sale


Putting Together The Father?s Wedding Speech
While many people think the hardest wedding task for any father is to walk his daughter down the aisle, many fathers often struggle even more with writing the wedding speech they have to give at the wedding reception. Traditionally the father of the bride will be the first to offer his speech, because it was often the bride?s parents that paid for the wedding. While wedding costs today are not usually paid for completely by the bride?s parents, most receptions plan for the father of the bride to speak first. So, how does the father put together his wedding speech?

Portrait Photography: Tips and Methods
Portrait is defined as, "A likeness of a person, especially one showing the face, that is created by a painter or photographer, for example." In the area of portrait photography there are some guidelines that you should consider when you go to take photos of people.

How to Find The Perfect Wedding Dress
You want the perfect wedding dress, so you have made it a major focus of your pre wedding planning. There are some things you need to find from the bridal shop, before you even look at your first gown.

Seeking Wedding Misadventure Stories for Upcoming Book "Wedding's Greatest Misadventures"
Submit bizarre, comical, or disastrous wedding story for publication in the forthcoming book Wedding's Greatest Misadventures.

Wedding Anniversary Signature Frame – The Perfect Anniversary Gift!
So you're having a wedding anniversary. Congratulations! It's quite a remarkable achievement in this day and age and whether you're celebrating a 10th, 25th, or 50yr anniversary each year marks a memorable milestone and deserves a special celebration.

'ello? 'ello? 'ello? Is that the Wedding, then?
You hear them at champagne-flowing parties. You hear them in crowded trains.

10 Fun Theme Ideas For An Unforgettable Wedding Reception
Reception themes are often more relaxed than wedding themes because they are meant to be provided in a party atmosphere.

Diamonds, Engagement Rings, Wedding Rings ? Internet vs. Retail
Retail Jewelry Stores

Wedding Decoration Tips with Balloons
A balloon arch is ideal way to add up flair to your celebration or wedding. The simplest way to make this piece is to buy a pre-built wedding arch made of white metal. If in case the wedding arch is not available, you could even build an arch using strong bendable metal wire. Just be sure it is strong enough to stand on its own.

Stafford, Virginia Photographer Receives National Photography Certification (CPP)
Gerald Griffith of Griffith Photography has earned the Certified Professional Photographer (CPP) designation from the Professional Photographic Certification Commission.

Wedding Rings – Through the Ages and for All Eternity
The exact origin of the wedding ring is uncertain and is rife with superstition and mythology. Papyruses dating back to the ancient Egyptian civilization depict wedding rings, and historians credit the land of the Pharaohs with originating this tradition.

Six Ways to Decorate Your Wedding Arch
Sometimes a wedding arch is a no-brainer way to spruce up your ceremony site. No-brainer, at least, until you actually have one in your hands and ready to decorate.

How To Plan A Theme Wedding
How To Plan A Theme Wedding

Las Vegas Theme Weddings
"Las Vegas theme weddings are the envy of the world. Nowhere else on planet earth can you find such a dazzling array of choices for a theme wedding.

Wedding Favor E-Retailer Proves To Be More Connected With The Modern Bride
A simple Google query for "wedding favors" will leave you gasping as you comb through the millions of search results. All of the sites end up looking the same, all offering the same stuff, all copying each other in lame fashion. seeks to break the mold and connect with the modern bride more effectively in the e-commerce world.

Powered by | Site Map | Home