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Insurance at a Shoot
Old 06-28-2007, 07:51 PM   #1 (permalink)
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A curious notion. Doubtful I would need to consider it but the pro's may. Now I've seen a model standing on the edge of a pool, balanced between rocks, there's the ad with the model with leopard, or she puts a heel through the hood of the Bentley. When you shoot for someone do they normally take care of the insurance? If you take someone out on your own do you cover the model. And what about completion insurance, she decides to elope and you're standing there at Times Square with a ringflash and an embarassed grin. You've all been careful to stress getting a release. Who covers the makeup artist getting eaten by the tiger?
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Re: Insurance at a Shoot
Old 06-28-2007, 09:58 PM   #2 (permalink)
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The answer is liability insurance. Call your agent. It's cheap and in many cases, required in order to get a permit or rent equipment. As far as completion insurance, I've never used it or heard of it being used except in very large productions. Basically if the talent or other crew member flakes they get fired and never hired again. When hiring models deal with pros and if possible, go through an agency, that way if something goes wrong you have someone to call and yell at.

Never assume someone else's insurance will cover you in the event of an accident. Insurance is like a cell phone, sure you could run your business without it, but why?

SB
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Re: Insurance at a Shoot
Old 06-29-2007, 12:19 AM   #3 (permalink)
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Funny this question came up now... I just had the conversation with my insurance broker today about the hot tub shoot in my other thread. I've had liability insurance for over 2 years, but just wanted to be sure that everything I might be worried about is covered. It IS cheap when compared to an accidental death, permanent injury or disfigurement, possible property damage, etc...

And yes... my butt is WELL covered in all counts!

cheers

njw
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Re: Insurance at a Shoot
Old 06-29-2007, 10:12 AM   #4 (permalink)
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Liability insurance is a must in this business in my opinion. I got my first policy through PPA but it was only liability insurance, nothing else. I now have a policy with Zurich which covers my equipment, business, and liability and it's about the same price as the one from PPA was. It was a hassle to get though. They gave me a hard time because I shoot nudes and they felt it was more liability than even wedding photographers. But their execs viewed my website and given the fact that I have everyone sign a contract or release, they agreed to underwrite me.
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