Get Smart About Insurance
ByI got a little lesson about insurance when I talked to my agent about my business changing locations. I was not aware, or did not remember, that I still needed coverage even without a brick and mortar (retail) building to cover.
I always thought that Indemnification that was included in my Professional Photographers of America (PPA.com) membership dues was insurance. It is not and they do tell you that in the literature. They may cover some issues with computer failure or some other digital mishap but it is not insurance. They may even assist you with a lawsuit happy bride but not property damage.
What you want to check with your insurance agent about is general liability insurance. This protection is against claims involving bodily injury and property damage to third parties.
So even if you work from your home, even if you feel you don’t need to insure your camera, please learn more about this affordable and vital insurance to protect yourself. In my area it is less than $25 per month.
It is part of doing business – smartly. Call your agent today and do a review of your insurance coverage.
