You Need to Know What Your Photography Policy Covers

30 Sept 2026 · 1 min

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0:30

In this video, Jamie Wolfer explains why a photography insurance policy should include coverage for lost photos, equipment damage, and related costs such as retaking images or replacing a tire after a vendor failure. He illustrates a scenario where a photographer trips, breaks their camera, and loses all photos, leaving the client without memories of the event. Wolfer emphasizes that without such coverage, clients may have to hire a new photographer and incur additional expenses to recreate the images, even if the new shoot occurs after the original event date. The discussion underscores the importance of ensuring policies protect both the photographer and the client’s ability to commemorate events.

photos and a tire ensures that the cost of retaking photos or replacing a tire are covered in case of damage or vendor failure. Like the photographer tripping and breaking their camera and then losing all the photos. What do you do in a situation like that? You can't get those photos back. So the additional cost of potentially booking a new photographer, because we're certainly not going with the last guy, okay, to put your gorgeous dress back on and to retake those photos so at least you have something beautiful to commemorate the event by, even if it wasn't on the exact event date.