Rawfa
Active member
I was thinking this the other day. What IF I´m shooting a wedding and all of the sudden a tropical rain storm starts? The wedding will go on, but I´m not so sure about the equipment. This is the type of situation where one might end sued!Not equipment insurance … Commercial business insurance, including liability. Best to form a LLC also … depending on where you are located.
Fly by night wedding photographers are gambling that nothing will ever happen … just like any uninsured person or company. The "what ifs" can rain down a world of hurt on you personally if you do not protect yourself at least to some degree.
One has to factor in all the costs of doing business IF it is supposed to be a business.
It's up to you.
- Marc