Why is Wedding Insurance for the Bride and Groom important to me as a photographer?
Aaduki joins Professional Imagemaker to discuss
Weddings? Love or hate them they are the bread and butter of a
photographer's existence. Sometimes it can get a bit too much with the bride
issuing instructions on one hand and the groom requesting something else -
and watch out for the all important mother or mother-in-law too!
One photographer insured with us said," I always follow what the bride has
requested. If anyone else wants anything I tell them to channel it through
the bride and as a result I have never had a claim or complaint. After all,
it is the bride's big day why shouldn't she have everything the way she
wants it?"
This is the way that this photographer works, it might not be the best for
you but having a clear defined line of communication helps the couple and
you enjoy the day!
It is very important when taking pictures at a wedding that you are
protected as a photographer - not just for your own peace of mind with your
equipment, Public Liability and Professional Indemnity but what if something
goes wrong on the other side? What if the Bride or Groom don't turn up? Fall
ill or are hospitalised? Did you get your fee paid in full before you set
out that morning? Did you turn down other bookings to be available?
There are some practical steps to making sure YOUR day isn't ruined either,
like ensuring the couple have signed a contract with you and that they are
insured as well - after all if they don't get married do you think they will
still pay the remainder of YOUR fee? And what about the loss of revenue for
pictures you might sell after the event to friends and family?
Wedding Insurance will often help to protect members indirectly should their
service be contracted. Most Wedding Insurance providers will cover the Bride
and Groom for: Cancellation, Rearrangement, Failure of Suppliers, Wedding
Rings and Cars, Personal Accident and Wedding Gifts and Personal Liability.
Wedding Plan is one of the UK's leading Wedding Insurance providers and
provides peace of mind for thousands of couples each year.
Aaduki has information on Wedding Insurance online at www.aaduki.com/ and we
recommend that you ask couples that come to see you to book a wedding to
have a look at our website. There is also a link there to an Insurer should
they wish to purchase it. We can also provide you with literature to pass to
the couple should you want it. Just give us a call in the office and we will
arrange to send it to you.
Here are some practical tips to ensure everything goes RIGHT for you:
1) Ensure the couple sign a contract with you.
This should limit your liability if anything goes wrong to the fee they have
paid. This means that they are unlikely to try and claim thousands of pounds
off you if something goes wrong. The average cost of a wedding today is
around £18,500 and the last thing you want is the couple trying to claim
that you ruined their "big day" and asking for that kind of cost off you!
2) Ensure you have Professional Indemnity cover.
If you do something wrong, miss pictures or wipe your hard drive or lose
your film the couple will hold you responsible. What if you pack all your
equipment away, with all the pictures you have taken and whilst you are
shaking hands with the bride and groom someone steals all the equipment out
of your car? Whilst they may be sympathetic on the night you can be sure
that a solicitor's letter will be on the way to you after their honeymoon!
Professional Indemnity ensures that YOU do not have to compensate them
yourself - and also helps to protect you against frivolous claims from
couples who "over spent" on their honeymoon and now need to get some money
back..
3) Get your fee paid IN FULL in advance.
If something goes wrong, or they are not happy on the day, they could refuse
to pay you. Even if they have signed a contract, there will be considerable
time and energy wasted trying to secure the money back from them and it may
involve court proceedings. Get your money in full up front, means that you
don't have to worry about this.
4) Consider Legal Expenses Cover.
Legal Expenses cover is available to buy from us for just under £25 a year
and will cover you up to £100,000 of legal costs. This will help if you have
not been paid correctly or if you need to defend against a claim or someone
uses your work without your permission.
5) Insist the couple have Wedding Insurance.
If the couple ask you "are you insured" then your answer should be "yes I
am, are you?" In cases like this we suggest that you might like to avoid
working for them unless they have Wedding Insurance. After all, if they are
so concerned about you - shouldn't you be concerned about them? In any
event, this will help them if something goes wrong on the day / night. If
they don't have the cover, advise them to look at our website:
www.aaduki.com/ where there is more information available.
It is important to note, that a majority of weddings go off without a hitch
but there will always be those where it seems that everything goes wrong,
not just for the couple but for the photographer too! By following these 5
simple steps it will help protect your business, and let you get on with the
important work of taking photographers secure in the knowledge that should
anything go wrong there are Insurers and professionals to advise and deal
with it on your behalf.
If you are ever in doubt, then give us a call and we can try and advise you
further. If your not insured with us, then give your own Insurers a ring -
they should be able to help you too... and remember to say cheese! After all,
it's your day too...
Call us on 020 3633 2280 for more advice or if you have a specific question.
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