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Liability
Old 03-05-2007, 12:16 AM   #1 (permalink)
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To date, I have just been practicing my photography on willing loved ones and friends. My photography is done at home, in a makeshift studio/basement.

This has been a good arrangment so far, but now I want to start looking into hiring or doing TFP work to take my learning to the next level. It's not just the liability of "he said, she said" stuff... but the practical responsibility if the model or her chaperone were to be hurt on the set (fall, hurt by equipment, etc). I know I could probably obtain some type of policy-- but being an amateur photography, is this something that I should be concerned about? Just wondering if anyone here has had a bad experience.

Thanks.
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Re: Liability
Old 03-05-2007, 01:14 AM   #2 (permalink)
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Here's the company I use. Ask for Casey Berry.

R
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Re: Liability
Old 03-05-2007, 06:45 AM   #3 (permalink)
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Your homeowner's insurance (assuming you own) contains a liability component that will protect you up to some limit. Read your policy for the details.

If you need more coverage, your insurance agent can sell you a balloon policy that extends your liability coverage to one million dollars or more.

These policies may not cover business activities, but that doesn't sound like your situation.
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Re: Liability
Old 03-05-2007, 05:16 PM   #4 (permalink)
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When I was doing DJ work, I carried a million dollar policy on myself. It covered anything I did...even driving a rental car. If I stepped on someones toe or dropped a piece of equipment, etc. it was covered. Cost was about $450 a year. Of course this was a 24/7 deal, so no matter where I was or what I was doing, I was covered. The only thing I could figure not covered was if pictures did not turn out. Check with a local independent agent. Rick from Arkansas "Arkie"
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Re: Liability
Old 03-05-2007, 05:30 PM   #5 (permalink)
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Here's the link that I failed to provide up above! Doh!

R

http://www.groupinsure.com/
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Re: Liability
Old 03-05-2007, 10:46 PM   #6 (permalink)
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Great advice, and thank you for clearing that up! Sometimes I can be such a spaz, so it wouldn't hurt to have a policy

Great link btw... heck, they even have portfolio coverage.
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Re: Liability
Old 03-06-2007, 02:17 PM   #7 (permalink)
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iI should be added, just how much personal asset you have that you want protected in the event of a law suit? When I first opened the studio I was advised to get incorporated so in the event of a law suit they could only collect maximum of insurance policy coverage so if the judgement exceeds the policy coverage they can not go after your house, cars, boat and whatever else of personal nature you may have, only the corporate assets would be subject to confiscation to satisfy the court judgement. You may not be at this point yet, but if you do well financially keep this little gem in mind.



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Originally Posted by dighost View Post
Great advice, and thank you for clearing that up! Sometimes I can be such a spaz, so it wouldn't hurt to have a policy

Great link btw... heck, they even have portfolio coverage.
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Re: Liability
Old 03-06-2007, 09:49 PM   #8 (permalink)
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I got a State Farm business policy that covers 300k liability and 10k equipment damage/theft, whether it is me accidentaly dropping a camera, or a client knocking over a light stand, etc. with a $500 deductible. The total annual cost is in the low $200 range. I was worried about someone knocking something over at a wedding shoot, or someone walking off with some of my equipment if I was distracted or travelling, etc. Not a bad cost for piece of mind.

This policy protects me when I travel, which homeowners insurance will not, and also the homeowners wouldn't cover that much camera equipment without additional riders put on it, which would cost more anyway.

Has anyone looked into a 'LLC' - Limited Liability Corporation? I was considering it, since it is less hassle than fully incorporating.
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