Public Liability Insurance - Photographers - why?

If a guest falls over the togs bag and breaks an arm, the venue will not accept responsibility. The tog has a liability.

Ah right, ok. So if he trips & ends up ripping my dress, he's liable?

If the Photographer causes damage then they are liable. That insurance would cover them.

Thank you. Its all a bit overwelming really & if we get this part wrong....well that doesnt bear thinking about.

i love this forum....thank you

No its not for that so much, another way of looking at it is, if say 6 months before your wedding should anything drastic happen and your photographer is proved liable and is sued then without insurance they would go out of bussines and you would be without your photographer, so their cover is also yours in that respect.

And its just another thing along with not having backup equipment that some cut back on which in some cases account for them being cheeper.

So if they dont have this most basic of insurance cover then what else are they short cutting on

You are doing the right thing asking questions and not rushing into anything. Just make sure you love their end result.

What Bill said.^^^^^^^^^^^^^^