Have you ever thought about your photographer's insurance before you hired him or her? Or for any other vendor for that matter. We don't mean insurance on his or her's equipment. We mean liability insurance that will cover you, should something unfortunate happen. Insurance is important no matter what the event. Whether it be a Wedding, Bar/Bat Mitzvah, Portrait Session (indoor or outdoor) or in the photographers studio, insurance is a must.
Many photographers that work from home may not have any insurance other than (maybe) homeowners, which will not cover anything on a job. It is alway's a good idea to ask about insurance and if you will be covered by it. Best to get a certificate of insurance naming you and your caterer on it. Many caterers require this certificate. A certificate may not be nessary, but it would still be a good idea to know there is insurance in place for a portrait session or any other type of photography that will be done for you.
Liz & Joe Schmidt Photography, Inc. is fully insured and can provide the nessary certificates.