Why You Need Business Insurance

We had just gotten back from a family walk, and I had brought my camera with me this time. That in itself is sort of rare, because we usually just walk with Lily in the stroller and talk while Steven skateboards around our neighborhood. This particular night though, I had wanted to get a couple of headshots along the way. So we did.

Why every business needs business insurance. Click here to read more!

When we got back home, I had set my camera down on the top of the stroller so I could pick Lily up, and completely forgot about my camera. Steven didn’t see it and when he grabbed the release strap to fold down the stroller, my camera went flying and took a digger right into our paved driveway. Immediately I was so panicked.

Steven grabbed my camera and started taking photos and all seemed well, and I was so relieved! Later that night, I grabbed my camera, took the lens cap off, and the lens just immediately FELL APART right there onto my living room floor. I was devastated! My 50mm lens is my all time favorite lens!

I am SO grateful and lucky that my camera body was completely fine. I think the lens took the brunt of the fall, and you could see the banged up marks around it, whereas there’s not a single scratch on my camera.

But let me tell you, if my camera body did break, I don’t have the money to just buy a brand new camera body outright like that. The lens, I was able to replace fairly easily since it’s actually one of the more inexpensive lenses I own.

Situations like this are why you need business insurance. All of my gear is covered so that in any kind of situation like this, I wouldn’t have to pay for an entire new setup on my own! Granted, my deductible of $500 was more than it costs to replace the lens, so I didn’t submit a claim, but if my camera was broken, I definitely would’ve submitted a claim so that my insurance would pay to replace it! This is also a fantastic reason to be sure that you have a backup camera body as well!! I had a session the very next day and thankfully Best Buy had a lens in stock that I could grab before my engagement session, because like I said this lens is my favorite!

If you don’t have business insurance, and you’re running a photography business, you really have to stop and ask yourself if that’s a good idea. Would you be able to replace ALL of your gear out of pocket? Unfortunately, most people cannot. And unfortunately, camera gear gets stolen fairly often. You’ve got to make sure you are protecting yourself!

If you aren’t sure where to begin, you can start with the agent who does your car insurance or renter’s insurance! They can help connect you with the right people!

Why every business needs business insurance. Click here to read more!

Linda is a Maine-based photographer specializing in weddings and creating family legacies. You can see more of her work online at lindabarryphotography.com, on Instagram, or on Facebook. If you want to reach out directly: linda@lindabarryphotography.com


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Why every business needs business insurance. Click here to read more!

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You can usually find me adding books to my never-ending “to read” list; challenging myself to do things like not shop for a year; sneaking crispy m+ms from my secret hiding spot so I don’t have to share them with my daughter; and melting over seeing my children smiling at each other.

Oh and I guess I should mention - I’m a seasoned Portland wedding photographer who provides not only kick-ass wedding photos, but also a meaningful and laid-back experience from the time you book to the delivery of your final images. 

I share all things personal, business, tips, and life as a mom and business owner here on the blog!

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