Insurance

Discussion in 'General Shop Talk' started by ckphotography, Jun 11, 2009.

  1. ckphotography

    ckphotography TPF Noob!

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    Hello Everyone!

    I am looking at changing insurance for my photography business. My primary focus is weddings and I am hoping to find insurance that would also cover worse case scenarios- redoing a wedding (as much as possible) because a memory card was corrupted, etc.

    Is anyone else concerned about this- photographing events that are almost impossible to "do over" and how do you address them insurance-wise?

    Cindy
    CK Photography:D
     
  2. Big Mike

    Big Mike I am Big, I am Mike Staff Member Supporting Member

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    Where do you live?

    You can probably find a photographer's association that has a group insurance policy that is tailored for photographers.

    In Canada, check out PPOC. In the US, check out PPA.
     
  3. manaheim

    manaheim Jedi Bunnywabbit Staff Member Supporting Member

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    Insurance wouldn't cover "re-doing a wedding", though. A wedding is when a wedding is. If you miss it, you miss it. Maybe I'm misunderstanding, though.
     
  4. B Kennedy

    B Kennedy TPF Noob!

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    It comes into play with errors & omissions. Say if a card does fail, or the camera has a mechanical failure...(yes you should have backups). But say for some reason on your way home you drive off the road and all the cards get damaged. I know the probability, but what if you know? Some insurance packages include in the error & omission clause as follows, quoted directly from the Hill & Usher site (insurance which I am in the process of starting with) Package Choice™ Insurance for Professional Photographers from Hill & Usher Insurance &┬áSurety, LLC

    "Errors & Omissions Liability.

    We begin with Errors & Omissions, which is also called Professional Liability, because this (often neglected) coverage is becoming more and more necessary for photographers to have. As the name suggests, Errors & Omissions insures the photographer in the event he or she commits an "error" or an "omission" while either out on a shoot or in the studio. Making a mistake with scheduling, losing or damaging memory cards after completing a job, or even taking "compromising" photographs pose a real danger to your pocket book, let alone your hard-earned reputation.

    Errors & Omissions insurance does not erase a mistake, but it can certainly soothe the anger and disbelief of a customer. In some cases, as in Package Choice's Hartford policy, Errors & Omissions coverage will pay to completely re-stage an event, complete with tuxedos and fresh flowers, if necessary. The coverage will protect you in court, paying attorney's fees and other legal expenses. But, the coverage does not require legal action before you are insured. The aim of this coverage is to preserve your reputation and salvage the relationship you have with your client, not just to pay damages when a court rules against you."


    Sorry for the long quote but I think this answers your question.
     
  5. Big Mike

    Big Mike I am Big, I am Mike Staff Member Supporting Member

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    You never know. You obviously can't redo a whole wedding...but if something happened and you couldn't cover the wedding, one solution might be to stage much of it for photos...which might mean paying for tux rentals, hair & makeup...stuff like that.

    The main areas are insurance for your gear, liability insurance in case someone hurts themselves where you are responsible or even loss of income insurance in case you are unable to perform your job.
     
  6. ryyback

    ryyback TPF Noob!

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    Is liability insurance required Mike?
     
  7. manaheim

    manaheim Jedi Bunnywabbit Staff Member Supporting Member

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    Yes, I understand that. I think my point was that once the wedding is over, it's over... so all the family and interactions and such that happened AT THE EVENT cannot be regained, thus you cannot "re-do" it.

    However... arranged staged shots and insurance to cover you in case the bride tries to sue you into oblivion probably makes quite a bit of sense. (obviously a backup camera and cards helps a bit too, but then if you don't use both cameras and your one card fails or whatever...)

    yeesh.

    Wedding scare me. :) Remind me not to do one. :)

    Oh and if it wasn't clear- I'm making comments from a position of logic, not informed experience. I've never done a wedding, so I'm not the one to take too seriously on this... though I do stand by my "you can't re-do" it statement. :)

    Lesseeee... how long until abraxas makes some disparaging remark about me... anyone have a stopwatch?
     
  8. KmH

    KmH Helping photographers learn to fish Supporting Member

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    Absolutely, Liability is the first kind of insurance you buy, then cover your equipment. E&O (errors and ommissions) insurance can be purchased seperately. An equivelent of E&O insurance is included with a paid PPA membership.
     
    Last edited: Jun 27, 2009
  9. ckphotography

    ckphotography TPF Noob!

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    I just want to say a big "thank you" for the information. I was definitely thinking of errors and omissions. With your help, I've found great insurance!
     
  10. skieur

    skieur TPF Noob!

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    I would say that it is almost impossible to lose your photos from a card. There are software recovery programs for photo cards and data recovery firms can bring back photos from cards that have been run over by a car, drowned in water, etc.

    skieur
     
  11. ryyback

    ryyback TPF Noob!

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    So "liability and damage insurance" would cover then.
    Sending an email off to my guy now-:)

    Thanks all
     
  12. KmH

    KmH Helping photographers learn to fish Supporting Member

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    Well liability and damage are different things but yes you really need both.
     

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