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Archive 2017 · Re: Insurance considertions

  
 
eeneryma
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p.1 #1 · p.1 #1 · Re: Insurance considertions


I'm taking head shots at a business conference this week. This is my first engagement outside my home where I often shoot. So I wondered what other portrait photographers do regarding liability insurance? Not that I'm expecting any problems, but we live in a litigious society. So I was looking to others for their experience. Is this something that is arranged by the event, or paid for on a yearly basis? Any suggestions as to how much and who offers this are much appreciated.

Steve Schulman



May 01, 2017 at 01:18 PM
Peter Figen
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p.1 #2 · p.1 #2 · Re: Insurance considertions


You typically get a commercial policy where the premiums are based on how much gear you're insuring but also includes 2-3 million in liability that covers you if someone is injured and sues you. Along with those commercial policies the brokers that write them will also write specific certificates of insurance naming the company or the owner of the building or the city you're shooting in, etc. specifically in addition to your general policy. There is generally a nominal $25-$50 fee for issued certificates. You probably won't have to provide a certificate of insurance for this type of job but it could happen, being that litigious society we now live in.

The professional photo organizations usually offer commercial insurance packages as a benefit of membership. There are also commercial brokers who specialize in insurance for photographers - Hill & Usher and Tom C Pickard to name a couple.



May 01, 2017 at 02:02 PM
eeneryma
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p.1 #3 · p.1 #3 · Re: Insurance considertions


Peter Figen wrote:
You typically get a commercial policy where the premiums are based on how much gear you're insuring but also includes 2-3 million in liability that covers you if someone is injured and sues you. Along with those commercial policies the brokers that write them will also write specific certificates of insurance naming the company or the owner of the building or the city you're shooting in, etc. specifically in addition to your general policy. There is generally a nominal $25-$50 fee for issued certificates. You probably won't have to provide a certificate of insurance for this type of job
...Show more

Peter, thank you so much for this good information.

Steve



May 01, 2017 at 02:31 PM
Steve Wylie
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p.1 #4 · p.1 #4 · Re: Insurance considertions


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.



May 02, 2017 at 02:05 PM





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