I recently heard a pretty frightening story from a bride. A friend of hers hired a photographer from craigslist who was not insured. Her reception venue, which required liability insurance, did not allow her photographer into the building!
Could you imagine???
Most venues require liability insurance and if your photographer doesn’t carry it, the venue can and will stop the photographer from working on their property.
I cannot stress enough that in this industry you very much get what you pay for. Make sure you hire professionals for your wedding! Professional photographers carry at least $1 million in liability insurance. It’s one way of finding out who’s a top notch pro and who’s a “weekend warrior”.