Your response to this question will depend entirely on whether or not you operate your own small business or if you are en employee of a larger company. When interviewed by couples for weddings, they often ask this question to ensure that there is adequate coverage for their event. If you are affiliated with a company, then your company will likely offer coverage protection. If you are operating your own small business, then be honest about the amount of support - assistants, additional photographers, etc - you will have on the big day.