Steve Wylie Offline Upload & Sell: Off
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Peter covered the insurance issue well in terms of what can be insured. I would stress his point about checking with the venue to see if they need to be "additionally insured" or need a certificate of your insurance in order to shoot in their facility. Many office buildings or other locations with property management firms require this.
If, on the other hand, you're not setting up a lot of equipment (maybe a collapsible backdrop and a small light or two), you could risk going in "naked" and ask for forgiveness, rather than permission. Not my preferred strategy, but it's an option. If you don't have insurance, you may want to find out if the sponsoring organization's coverage can cover you as well, at least in terms of getting in without a hassle.
In terms of our litigious society, your biggest risk may be client unhappiness with your work, especially if you have very limited time to shoot a bunch of headshots. I'm not sure if that circumstance would actually result in financial exposure to you (or your insurer if you have one). Good customer relations and a willingness to work out any problems might be your best protection.
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