If you have any employees then it is a legal requirement to have Employers’ Liability insurance – in this case, ‘employees’ can mean paid, full-time staff as well as helpers, unpaid volunteers, temporary workers, and those on work experience.
It is also recommended that wedding photographers have some form of public liability insurance in place, as this can cover you and your business against any property damage or injury you may cause while working.
Equipment insurance should also be a consideration for wedding photographers. With a lot of expensive photography equipment – cameras, lenses, lights, bags, stands – as well as the smartphone, tablet and laptop you use to run your business and edit your photos, you could be stuck with a huge bill if something were to happen to your kit.
With Create you can insure up to £50k of equipment and choose to cover it for a few days, weeks, months or the full year.
Another form of insurance that wedding photographers should consider is professional indemnity insurance. This defends you against legal claims for negligence, breach of contract/confidentiality, libel and slander, so it can be very important in helping to maintain your reputation.