In the excitement of choosing flowers and playlists, insurance is the last thing on anyone’s mind. It is unsexy, boring, and bureaucratic. But in the world of professional events, it is absolutely critical. Accidents happen—a guest trips over a light stand, a camera bag gets stolen, or a venue demands proof of liability before letting a vendor through the door.
A question that separates the amateurs from the professionals is: Do you have insurance? The answer is a definitive Yes. I am fully insured. This protects me, it protects you, and it satisfies the strict requirements of luxury venues. This post explains Adrian Bonet Photography’s insurance coverage and why it matters for your wedding day.
Do not let logistics stress you out. Secure a photographer who knows the area inside and out. Contact Adrian Bonet Photography to check availability for your venue today.
Index
General Liability: Protecting Your Guests
Satisfying Venue Requirements
Equipment Insurance: Protecting the Gear
The Mark of a Professional
Final Thoughts
General Liability: Protecting Your Guests
Accidents Happen
Weddings are busy events with lots of people, alcohol, and movement. While I take every safety precaution (taping down cables, placing bags out of traffic), accidents can happen. General Liability Insurance is there for the “what ifs.”
Peace of Mind
If a bridesmaid trips over my camera bag and twists her ankle, or if a light stand gets knocked over and damages a venue’s expensive painting, my insurance steps in. This ensures that you, the couple, are not held financially responsible for accidents related to my business operations.
Satisfying Venue Requirements
The “COI” Request
If you are getting married at a high-end resort, a historic site, or a luxury hotel in the Riviera Maya, they will likely ask for a Certificate of Insurance (COI). Many venues simply will not allow an uninsured vendor onto the property because it puts them at risk.
Seamless Logistics
Because I am fully insured, I can provide this document to your venue coordinator instantly. I am already in the system for many major resorts in Cancun and Tulum. This avoids last-minute panic where a venue threatens to ban your photographer the week of the wedding. Hiring an insured photographer guarantees smooth access.
Equipment Insurance: Protecting the Gear
The Tools of the Trade
I carry tens of thousands of dollars worth of cameras, lenses, and lighting equipment to every wedding. Equipment Insurance protects my business against theft, damage, or loss.
Why This Matters to You
You might think, “Why do I care if his camera breaks?” You care because if my gear is stolen the week before your wedding and I don’t have insurance, I might scramble to find replacements. Because I am insured, I can replace damaged or stolen gear immediately, ensuring I show up to your wedding with a full kit of professional tools, regardless of any prior bad luck.
The Mark of a Professional
Vetting Your Vendors
Insurance is a business expense that “hobbyist” photographers often skip. Carrying comprehensive insurance is a signal that I run a legitimate, legal business. It shows that I am invested in my career and that I take my responsibilities to my clients seriously.
Risk Mitigation
When you hire a vendor, you are trusting them with a once-in-a-lifetime event. Hiring someone who is insured is a form of risk mitigation. It tells you that this person is prepared for the unexpected and has the infrastructure to handle problems professionally.
Final Thoughts
Insurance is something you hope you never have to use, but you are incredibly grateful for when you need it.
When you book Adrian Bonet Photography, you aren’t just paying for photos; you are paying for the security of a professional operation. I carry the insurance so you don’t have to carry the worry. You can focus on your vows, knowing the logistics are covered.