mharding Offline Upload & Sell: Off
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p.1 #9 · p.1 #9 · Photography Insurance and Additional Insured | |
I have some experience with these policies. I'll try to keep it short.
First. These Liability Policies claim to provide coverage for several circumstances, but actually never pay out under any conditions. I have gotten a few seasoned insurance agents to admit that they have NEVER personally seen a policy paid out. Only hearsay of someone else or lying in an attempt to sell me a policy and get a commission.
Second. These same agents recommended me to theeventhelper.com. You can buy a one day or short term event policy for around $100 and have the venue named as the additionally insured. It only takes a few minutes and a credit card. I have done it in one case upon arrival at the venue and being asked for a copy of my insurance certificate.
Now, I have dropped my liability policy and amended my contract to state, if the venue requires it, I will purchase it on their behalf at cost. NO ONE has balked at my contract amendment. That saves me $500+ dollars a year and the venue thinks, erroneously, that they are covered.
Since I started it in 2012, only 3 out of 700+ events have forced the issue.
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