Upload & Sell: Off
Did you mean photographs, or photographers?
Liability insurance is going to be if a lightstand falls on someone, scratches a floor, or something of that nature at an event. Mine is $1/$2 million stacked. Errors and Omissions is also a portion of my policy. And then I have gear insurance as well. My insurance is through Hill & Usher, industry standard and is about $600/yr. My replacement cost on gear is just under $15,000.