If I get business insurance, now, would it cover me for wedding events I've already booked but have NOT photographed?

  • by Lu
  • May 22,2016
  • 9 answers

If I get business insurance, now, would it cover me for wedding events I've already booked but have NOT photographed?


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Insurance Answers (9)

Casey Y 6 months ago

It will cover everything you do going forward.
I'd be willing to bet you just got a wedding at a facility requiring you to have coverage; you'll need workers comp in addition to general liability.

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Danny 6 months ago

You should read your documents again and still you aren't sure then contact their support. They can assist you any better way.

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mbrcatz 6 months ago

LOL Errors and OMMISSIONS, not commissions.
The policies cover things that happen AFTER the policy goes into force. For E&O/copywrite/trademark infringement and the like, those are usually "claims made" coverage - that means, the claim has to be made AFTER the policy goes into effect, and BEFORE the coverage lapses.
"Gear protection" is going to be expensive with big fat deductibles. That's because it's high theft/high damage type equipment, and it has a LOT of claims.

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Prepper World Bob 6 months ago

youi have to discuss exactly what IS covered with your insurance agent

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Zarnev 6 months ago

You will be covered for events as of the effective date of the policy. It doesn't matter when the contracts were signed.

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rick29148 6 months ago

I should cover you from work you do starting now.

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jmm2112 6 months ago

Again, you are misinterpreting what E&O insurance (professional liability insurance) is for. It's for licensed professionals that provide advice and services - lawyers, architects, consultants, brokers, etc. Commercial photography doesn't fall in that realm.

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A Hunch 6 months ago

There is no such thing as "business" insurance. What kind of insurance are you planning on buying?
What do you expect it to do.
There is no insurance that will cover you, if the customers are dissatisfied with your work.
There is insurance if you or your workers cause a problem at the event.

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Gatsby216 6 months ago

I am assuming this a general business policy. Meaning you describe your business operations, number of employees if any, business equipment and value, etc. They process that info and issue a policy.
If so then you are covered.
If you have event specific coverage, like you had a business that had big projects then you that is more of a one off situation where you might need coverage for each event, say you got a big contract and were going to hire a bunch of support staff and go to Jamaica for 10 days.
Like a movie shoot or someone organizing a 3 day music festival.
I think you are covered, but call the insurance company to double check. Might as well be safe.

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