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Thread started 13 Dec 2015 (Sunday) 18:29
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Photobooth set up in night club

 
alexandraphotography
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Dec 13, 2015 18:29 |  #1

I have recently started a new small business where I do a photo booth set up for client. A client has asked for to do one for their Christmas party which is inside a night club.

I am only small business and don't have insurance or anything like that, will I be able to do the set up inside the club even though I don't have insurance or anything?




  
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gonzogolf
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Dec 13, 2015 18:39 |  #2

You can do nearly anything without insurance, but at a huge risk. Your requirement for insurance depends on the client/nightclub requiring it. If neither specify it in the contract then you can skip it with the understanding that you are personally liable if something happens.




  
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alexandraphotography
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Dec 13, 2015 18:41 as a reply to  @ gonzogolf's post |  #3

So the only reason they wouldn't let me is if they require me to have insurance.




  
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gonzogolf
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Dec 13, 2015 19:33 |  #4

alexandraphotography wrote in post #17817816 (external link)
So the only reason they wouldn't let me is if they require me to have insurance.

No there are any number of other reasons they might not let you in. My point is only that certain venues will not let you operate on their premises without insuramce. Reception halls and certain wedding ve ues for instance. So insurance may or may not be a barrier.




  
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JacobPhoto
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Dec 14, 2015 17:58 |  #5

Definitely have a conversation with the management team at the actual venue (not just the person who answers the phone but someone who makes management-level decisions) as well as the promoter or organization putting on the event. One or both may require that you have insurance.

If you don't already have insurance, I think this is a perfect reason to get it. If someone knocks over your setup, and it catches the wall on fire and the whole place burns down, the night club (or the night club's insurance company) could come after you for the replacement / rebuild cost. This would easily bankrupt any small business, and is the exact reason why you would want an insurance company to cover you.


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i_am_cdn
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Dec 15, 2015 09:29 |  #6

JacobPhoto wrote in post #17818995 (external link)
If you don't already have insurance, I think this is a perfect reason to get it. If someone knocks over your setup, and it catches the wall on fire and the whole place burns down, the night club (or the night club's insurance company) could come after you for the replacement / rebuild cost. This would easily bankrupt any small business, and is the exact reason why you would want an insurance company to cover you.

More so, as most small businesses are not incorporated, and are simply a sole proprietorship, a lawsuit will bankrupt you personally as well if you have no insurance.


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Big ­ Frost
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Dec 15, 2015 11:39 |  #7

Honestly, insurance is relatively cheap, and worth the investment.



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Photobooth set up in night club
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