Nobody is perfect, we all make mistakes. As photographers, we are expected to be both an artist and a service to the public. There’s always going to be a chance that your client is going to be so difficult, uncooperative, or possibly vindictive if they feel as though you’re not up to their expectations for whatever reason.
It is for this reason that every professional photographer should have their own liability insurance to protect themselves from being taken advantage of.
How Liability Insurance can Save You
If you’re getting a steady flow of work and you consider yourself to be fairly busy as a photographer, you will eventually encounter a situation where you have to make changes and cannot commit to a scheduled photoshoot. If your client doesn’t take kindly to this suggestion, they may turn on you and decide to sue you for a breach in contract, which they could win if you don’t have anything that states the ability to cancel at any time prior to the appointment.
Insurance can save you from being sued for a client’s negligence, too. Like, if they were to trip into a piece of your equipment and hurt themselves. Liability insurance can also cover you if for whatever reason your camera malfunctions and either ruins or renders the customer’s images unrecoverable.
Every potential scenario where things could go wrong, at no fault of your own, should be accounted for, because there are plenty of people out there who try to take advantage of small businesses and avoid having to share whatever losses incurred due to an accident.
Weighing your Options
While these things do happen, it ought to be noted that an occurrence like this is extremely uncommon, as a general rule you have most likely better chances winning the lottery, however, they do happen and in this manner it is imperative that you are not left exposed after a bad turn of events.
Still not persuaded? The other thing liability insurance can help with is damage to other’s property. This would cover you on the off chance that you harmed another person's property while doing your job. For instance, you could incline toward a divider and push a portion of it over with your weight as you are taking the photo! The fact that the divider was not sufficiently secure is no assurance in the courts. You would be in charge of the repair to it - all things considered, the client would contend that the property was fine before you stepped into it!
A straightforward mishap like this could cost hundreds, maybe thousands - something that could also leave a mark on your career, too. You can do your best to avoid doing business with people who seem unreasonable or suspicious, but there’s no guarantee that you won’t run a streak of bad luck and end-up losing a ton of sleep, money, and possibly business over an honest mistake while trying your best.