Here is why you need insurance for your photography business.
So, recently I was photographing a gig in Nashville and had my camera gear in my truck. I was inside the venue for about 30 minutes and was parked in a space that I thought was secure. I know I know this seems stupid but I had a lot of stuff to carry and the lot was private and felt safe. I came out to grab my camera bag and some other gear and my window was smashed and 5,000 dollars worth of gear was GONE!
Initially I was shocked and slightly devastated, considering that I purchased the camera less than 2 months ago. I filed a police report and tried to enjoy the rest of my evening. Besides the pit in my stomach, the violated feeling and the long, cold drive back home with no back window, I was so glad that I had insurance that covered all of my equipment!
My truck window is now fixed and the claim is being processed thank God. I have back up gear so I am not completely out of commission but I can’t imagine what I would do if I didn’t have insurance coverage.
If you don’t have coverage for your photography business, I strongly encourage you to purchase a plan. It is a very low monthly cost and it could save your career if something like this happens to you. Also once you reach a certain level, shooting events and weddings it is often expected of you to present a certificate of insurance.
My plan is through Allstate but there are tons of plans out there that are great. I do have a 500 dollar deductible but considering my equipment is 10 times that amount, I am alright with paying that.
Another great Insurance plan is through Professional Photographers of America . They are also a great resource for all things Photography.
I also suggest creating an inventory spreadsheet with all of your equipment listed with serial numbers and model numbers so that you don’t have to round all that up after something like this happens.
Please use my story as a cautionary tale and save yourself the heartache and get coverage asap!
THE FARM WEDDING // LEAH + ADAM // CANDLER, NC
I still remember being contacted by Adam and Leah about shooting their wedding over a year ago. Seems like such a long time but time flies. I know I always say it but I am truly humbled by the amount of people that like my work and trust me to capture their special days.
Adam and Leah, as well as their friends and family, were wonderful to work with. They were all willing to do whatever I needed them to do to capture the shots. It did get a little chilly at the wedding but Leah, and all of the girls in the wedding powered through even though their arms and shoulders were exposed to the chilly air.
The reception was great. Being music lovers like myself, they booked an amazing band that played lots of great songs that weren’t the typical cliche wedding songs which I loved! I can’t just not mention the fact that these two learned a dance for their first dance that was sooo impressive. It just goes to show what kind of hard working, fun, adventurous couple they are.
I know these two will go far in life together, their love, passion and drive is contagious.
Congrats to Adam and Leah. Thanks for letting me tell this small part of your story!
Big shout out to my second shooter, Murphy Martin and all of the other vendors involved in making this special day happen.
Venue: The Farm
Hair: Natalie Webb
Makeup: Liz Black
Videography: Heartistree Studio
Georgia Farm Wedding// Newnan, Georgia
Gosh, I am so bad at updating my website and blog as much as a I should. I had the pleasure of shooting this Georgia country wedding IN THE RAIN. It was freezing cold and raining but my couple was un phased and the ceremony was beautiful and we all worked together to make it the best day that we could.
This was a family only, small wedding that took place on the family’s farm. I am so thankful to have weather sealed gear because at times it down right poured on us. There was a boat in the pond that we really wanted to do photos in but it was raining. I convinced them to try getting in the boat anyway and they did and they totally rocked it! I seem to be getting a lot of rainy sessions lately so I am glad to have the practice!