Before you close your business, make sure no-one can ruin your retirement. We normally recommend twelve months cover as a minimum and six years as the ideal. Cover bought for longer spells isn’t that common but it’s a growing area for us. The risk of claims usually tails off with time unless you have a Groomzilla on your books! No-one wants to be stung by a claim from their past.

Legal expenses defending these claims can be colossal, no matter how daft and spurious the allegations – no wonder photographers are worried, especially those retiring.

 In America the legal system accepts this is a case that must be heard. There was a contract and it apparently wasn’t fulfilled. UK law ordinarily limits the time claims can be made to six years after the event, so this case would fall outside that time frame. Nevertheless many photographers are surprised to learn negligence from several years ago can still come back to bite them.

The case, which has made headlines in the US has fuelled concern from photographers in the UK.
Run-off cover is a professional indemnity policy which provides cover in the years after you have closed your business. It doesn’t matter when the event took place, what matters is that you have cover when a claim is first made, in this case eight years later.

The groom is aiming to recover the $4,100 (£2,500) he originally paid for photography as well as $48000 (£30,000) for the restaging of the wedding. Experts say the case highlights the importance of run-off insurance cover.

The US man is suing his retired wedding photographer for failing to capture key moments during his 2003 wedding including the last dance, despite the bride and groom ending their marriage in 2010.

A divorced man in the US who demanded the re-shoot of his 2003 wedding, eight years after the event took place, has prompted concerns from UK photographers and the retired photography community.place, has prompted concerns from UK photographers and the retired photography community.