Business Insurance
Everyone has an opinion on the value of insurance. Personally, I wouldn’t work without business liability insurance. If you work in a studio it will be required. If you strictly work on location then you’re taking chances without it. Take, for example, the wedding photographer:
* Will the venue (church, reception hall) allow you to work there without a certificate of insurance?
* If granny trips over your camera bag and gets injured are you liable?
* What if (heaven forbid) your storage card goes bad and all the photos are lost. …