daniela_d

<p>Hi again - thanks so much for all your thoughtful replies. Truly appreciated!<br> I've acquired business insurance - and after I did the next two clients that reached out to me required it as well... so that worked out nicely! Accountant is next on my list! Much, much needed.<br> And just for the info, I'm located in RI, USA, and was able to purchase insurance without first establishing my "business" to be something more than "self-employed." Thanks again for the info and insight!</p>

<p>Thank you so much for these thoughtful responses, they are sincerely appreciated! I will DEFINITELY be getting an accountant to work out my tax info... I don't even know where to begin with that, so that is a must. As William W wrote I definitely want to go with your "#2" business structure, trying to make this venture as legit as possible!<br> Thanks for all the suggestions and I'll be securing some insurance tomorrow!! I'm going through R V Nuccio & Associates - does anyone have any experience with them? Negative or positive? They gave me a great quote for both liability and equipment insurance so I'm a little skeptical at HOW GOOD the price was.... any experience?<br> Thanks again so much!</p>

<p>Hello friends, thanks for all the helpful advice on this forum! I've learned a lot!<br> I have a question for you - I'm finding myself in need of purchasing liability and equipment insurance for next wedding season, as I've never had/needed it before but I have a venue requiring it (and also to be "additionally insured" which I don't fully understand) SO - I've been searching around for some quotes. However, before I purchase... I don't know if I should be, um, letting the IRS know that this is my source of income? Next wedding season will be my first season being a full time self employed photographer, so this has never been an issue before. I'm early 20s so the extent of my tax paying has been for retail jobs etc... I don't really know how these things work. Do I need to claim the $$ on my taxes before getting insurance? Will I look super sketchy if I get insurance and don't claim the $ yet? Will anyone actually notice or care if I get the insurance first...? Not trying to get out of paying taxes on my photo income, I just actually don't know HOW to and have never had to before... (I'm definitely more of a creative type than a business minded individual...but I'm learning!) but I need to get this insurance asap so I can book this gig where the venue requires it.<br> One more question that the insurance companies I've been researching fail to have answered for me... if my equipment gets stolen or broken or someone I'm shooting gets hurt etc during a shoot that doesn't have a contract (i.e. small portrait shoot or concert or something) will I still be covered if I have some sort of equipment/liability insurance? I was only requiring contracts for events and weddings... should I change this? Do you all require contracts for everything? I'm sure this would depend on my policy but I am not sure what the usual is...<br> That's all! Thank you so much!</p>