March 2025 Newsletter
Let’s be real—insurance isn’t the most exciting thing in your business toolkit. But you know what’s even less fun? A lawsuit because a client tripped over your gear. Or losing thousands replacing stolen equipment.
We get it. You’re out here doing what you love—whether that’s running a creative biz, capturing moments through a lens, or managing your side hustle. But all it takes is one unexpected disaster to throw everything off track.
This month, we’re focusing on small business insurance, especially for photographers stepping back into the busy season. If you’re out there shooting spring weddings, senior portraits, or product shots, let’s make sure your business is covered for whatever comes your way.
No fluff, no scare tactics—just the facts (and maybe a few hard truths).
Let’s get into it!
Photographers - This One Is For YOU!
Spring is here, which means outdoor shoots, wedding season, and… unpredictable weather.
A quick checklist for staying covered this season:
✔️ Liability insurance (for that client who trips over your tripod)
✔️ Equipment coverage (because gear is expensive, and accidents happen)
✔️ Contract protection (so you’re not fighting over RAW files later)
Insurance won’t help you find the perfect golden hour lighting—but it will keep your business safe while you chase it.
Let us treat you to coffee - Get a $10 coffee gift card when you let us provide you with a quote!
LLC vs. Insurance: One Protects Your Business, One Doesn’t
PSA: Just because you have an LLC doesn’t mean you’re protected.
An LLC helps separate your personal and business finances, but it won’t cover:
🚫 Client lawsuits
🚫 Equipment theft/damage
🚫 Accidents at a job site
That’s where business insurance comes in. If a client sues you, your LLC might keep your personal assets safe - but it won’t pay for your legal fees or damages. And if your gear gets stolen? Your LLC isn’t replacing that $3,000 specialty tool.
Your business is more than just a name on paper - make sure it’s actually protected. If you’re unsure what coverage you need, we’re happy to help. Shoot us a message and let’s lock it down.
THE COST OF NOT HAVING INSURANCE
(Spoiler: It’s Way More Than You Think)
If you’re skipping business insurance because it feels like an “unnecessary expense,” let’s flip the script.
Here’s what small business owners actually end up paying for when things go wrong:
• A broken camera? $2,000+ out of pocket.
• A client lawsuit? Easily $10,000+.
• A fire or theft wipes out your gear? That’s everything gone in one night.
Now, compare that to a solid business insurance policy that costs you less than your monthly coffee habit.
Business insurance isn’t just for worst-case scenarios—it’s there for the everyday hiccups, too. Like a spilled coffee on your laptop (oops) or a client tripping over your light stand.
Bottom line? Protecting your business now costs way less than fixing a disaster later.
Not sure what coverage you actually need? We can help.
