You are thinking of becoming a professional child photographer. Have you given much thought to why you may need insurance? Insurance for child photographers is very important! Let’s dive into some of the reasons one may need to consider holding business insurance!
Be Covered for all aspects of child photography
Child Photographer Injury/Medical costs.
We all know children can be clumsy creatures! Especially if you use props where a small child can fall from. But we all know a child can trip and fall just walking! If their fall lands them in the hospital for a checkup, the parents may hold you reliable for this and seek medical expenses to be paid. So having a good liability insurance for injury and medical is a great way to protect yourself and your assets. Especially if you are not an LLC. Which brings me to my next reason
Protecting your property with insurance for child photographers.
If a child is to get injured during a session, the parents can open a lawsuit against your business or you as an entity depending on what type of business you are registered as. If you are a DBA business, I would highly recommend insurance for child photography! As I mentioned before children are clumsy, full of life, daring and ready for adventure always!
It’s not just about the injury or protecting yourself for child photographers
Covering of equipment loss or damage.
Being a child photographer comes with many expenses. Of course have spent a lot of money acquiring equipment to get the job done properly and efficiently. What if you leave something in your vehicle during a session and someone decided it looked like a good piece of equipment to add to their own collection, you would be out of all the hard earned money finding yourself having to purchase more expensive equipment. Or what if you are in a vehicle accident on your way to a session and some of your precious equipment is damaged?
Conclusion on the importance of insurance for child photographers
These are some great reasons to make sure every aspect of your child photography business is indeed covered with insurance. You work hard to get where you are at, with a lot of time sweat and tears! You wouldn’t want to lose it all by one problem to arise. There are many places that you can get business insurance from. Do the research and find the best insurance suitable for your business. After all your business is your livelihood!
For more child portraits follow me on facebook.
