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Pro Liability Insurance?
  
 
thebeginning
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p.1 #1 · Pro Liability Insurance?


Anyone here have thoughts on getting both professional and general liability insurance?

I really don't feel I need general liability, as I don't use big equipment and just can't imagine injuring someone. On the other hand, some venues are starting to require it.

I am probably way behind for not buying professional liability insurance.
Anyone have good or bad experiences with professional liability?

I can just imagine a mother of the bride going crazy and trying to sue me for not having enough family photos...



Jan 17, 2014 at 06:00 PM
ricardovaste
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p.1 #2 · Pro Liability Insurance?


Public Liability & Professional Indemnity ?


Jan 17, 2014 at 06:02 PM
mjgphotoz
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p.1 #3 · Pro Liability Insurance?


You really need both General Liability and Errors & Omissions coverage. You also need these coverages in amounts sufficient to cover you in the event of a claim. Your GL coverage will likely include cost of defense. You do not want to know how much a high dollar insurance law firm charges. Settlement money that the insurer pays may be reduced by the costs of defense paid if your policy limits are inclusive of any defense costs. You can be left holding the bag for the remainder of a judgement against you.

General Liability: You shoot a session in the park and a child trips over your gear. You shoot a session in your studio and a wall mounted light you forgot to safety latch comes down on a model's head. You want to shoot a session in a national park or a venue requires your proof of insurance... etc etc

Errors & Omissions: That bride's mother you mentioned wants your head on a platter and also wants you to pay to stage a re-shoot of the wedding out of your pocket. Mad Momma sues you and you have to pay to defend yourself even if you are right. A judge happens to agree with her. Ohhhhh nooooooo

Policy Limits: True story. Auto insured was driving drunk and hit a motorcycle with two riders. He hit and ran home to bed. Police had his license plate number and showed up at his door to escort him to jail. He was then sued by the injured parties for their damages. I saw his sober face when the news was presented to him that his coverage was for his policy limits of $50,000 and he needed to hire an attorney to provide his defense for the amounts far exceeding his policy. It was not a pretty picture...his home, car, bank accounts and all his resources were now at risk.

Moral: Insurance, you may not want to pay for it but you can't afford to be without it.

mjgphotoz



Jan 17, 2014 at 06:39 PM
SloPhoto
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p.1 #4 · Pro Liability Insurance?


Do you have anything to lose?

A house?
A car?
A successful business?
Thousands of dollars of equipment?



Jan 17, 2014 at 07:01 PM
joelconner
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p.1 #5 · Pro Liability Insurance?


You need liability insurance for the things you don't think will ever happen...and hopefully never do.


Jan 17, 2014 at 07:09 PM
thebeginning
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p.1 #6 · Pro Liability Insurance?


Yeah, that's what I was thinking, just an unfortunate reality.


Any recommended companies that work with photographers?



Jan 18, 2014 at 04:08 AM
 

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sherijohnson
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p.1 #7 · Pro Liability Insurance?


I haven't shot any weddings without already having all of this in place, but I felt strongly about making sure I was protected and it is true many of the venues do require it and they want proof, the other thing they are normally asking for is your business license as well.


Jan 18, 2014 at 06:25 AM
StevenMI
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p.1 #8 · Pro Liability Insurance?


Hill and Usher is a popular company used by photographers.


Jan 18, 2014 at 09:38 PM
Access
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p.1 #9 · Pro Liability Insurance?


Depending on how your business is structured (ie. LLC) and your state laws regarding that type of business structure, you will want insurance to at least cover your business assets and possibly your own assets that may or may not be at risk. Again this can vary from state to state (ie. homestead laws to protect a primary place of residence).

The best insurance policies are never used, but as vendors go, about a fourth of liability claims relating to weddings are filed against photographers and videographers.



Jan 21, 2014 at 12:04 AM
D. Diggler
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p.1 #10 · Pro Liability Insurance?


thebeginning wrote:
I can just imagine a mother of the bride going crazy and trying to sue me for not having enough family photos.


That's "Errors and Omissions". That's separate from "Liability". Some companies that offer Liability do not offer Errors and Omissions. Ideally you should go with a company that offers both.



Jan 26, 2014 at 08:24 AM
eastbluffs
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p.1 #11 · Pro Liability Insurance?


I had $1M liability coverage from State Farm for $250/yr. Not shooting gigs anymore so it's cancelled now.

The agent assured me it covered things like negligence, injury, and even lost or stolen equipment.

Donno how good it was but $250 seemed like cheap piece of mind.



Jan 26, 2014 at 10:04 AM
D. Diggler
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p.1 #12 · Pro Liability Insurance?


eastbluffs wrote:
I had $1M liability coverage from State Farm for $250/yr.


I think I'm payin' like $450 a year for Liability + Errors and Omissions. That's without any equipment coverage.



Jan 26, 2014 at 10:42 AM





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