Make sure your Photographer is Insured
We all know that accidents happen. Just like with any contractor you work with or let onto your property, the real estate photographer you hire needs to have liability insurance from a reputable company.
If an accident does happen; say your real estate photographer knocks over and breaks a valuable antique while lining up a shot, breaking the news to your client will be much easier if you can also say that they will not need to file a claim with their own insurance company.
If you are selling your home by owner, and the photographer you hired falls down your stairs during the shoot, he or she could sue for damages because the accident happened on your property.
The real estate photographer, or any contractor you need to hire for any type of job for that matter, can easily send over a copy of his or her insurance certificate. Be sure to request this, and read it and check the details: Find the expiration date to make sure it is still valid, and notice the name of the company to make sure it is reputable.
That kind of small oversight can cause a major headache.