Insurance: A must for any business owner
If your camera gear isn’t insured, do it now.
No seriously, stop reading this and get on the phone with an insurance agent and get insurance RIGHT. NOW.
If the image above made you cringe or cry a little, then it’s about time we had a good, hard talk.
Being a sole proprietor or freelancer means that if your gear breaks, YOU are responsible for replacing it. If you have all of your gear insured, that is some serious weight off your chest, especially since that $5,000.00 camera could easily put you out of business if it breaks. I’m sure many freelance photographers would like to think that they’re business won’t go down without a fight, that they would ride it to the end, jump ship at the last moment and various other metaphors. If your gear isn’t insured, you’ll be on a quickly sinking ship and you WILL go down with it.
Just because you’ve got the latest gear with all it’s weather-sealed technology doesn’t mean you can EVER be too careful. This is you’re livlihood we’re talking about here, and you need to treat it well.