PPA Wedding Insurance

Discussion in 'General Shop Talk' started by elsaspet, Dec 6, 2005.

  1. elsaspet

    elsaspet TPF Noob!

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    My good friend Pete (ChristiePhoto) inquired as to why I joined the PPA as I had absolutely no intention of entering contests or taking classes.
    I told him that I had joined for the Wedding Insurance in case I was ever sued. (Not that I plan on screwing up, but there are sue-crazy nuts in every service related business). You have to join as Active Proffessional with Malpractice Insurance. Not cheap at over $300 bucks, but definately worth it if your equiptments fails or your car breaks down on the way to the wedding. Pete asked that I post that here, as there are probably a lot of people who are unaware of it.
    Besides that, there are tons of other useful benefits for photogs, such as low cost medical and disablility, lost intrest credit cards and all kinds of other stuff. www.ppa.com .
    Hope that helps!
    Cindy
     
  2. thebeginning

    thebeginning TPF Noob!

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    i've actually looked into that quite a bit. i thought of eventually joining as an "aspiring photographer", because it's a bit more accurate and is cheaper. Do you know of any disadvantages of joining as an aspiring photographer (with malpractice protection)?

    thanks for posting this :thumbsup:
     
  3. Christie Photo

    Christie Photo No longer a newbie, moving up!

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    Thanks for strarting this, Cindy!

    Can you tell a bit more about the malpractice insurance? YEARS ago, the organization offered legal representation is these cases, but never used the word "insurance." I do, of course, have business insurance protecting me from any law suits regarding injury claims both in my studio and on location. My wedding contract limits my liability in the event I fail to perform. I wonder now if that phrase is enough.

    I know you'd really enjoy your state convention. Don't dismiss it entirely. You'd meet a lot of really nice folks (some pompus asses too), and see a bunch of industry vendors and their wares. Kinda like TPF.

    -Pete
     
  4. elsaspet

    elsaspet TPF Noob!

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    From what I understand it, the difference is the amount of coverage should you need to use the insurance.
     
  5. elsaspet

    elsaspet TPF Noob!

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    They still offer representation, but as I understand it the malpractice insurance kicks into effect if you lose the case.
    Most likely, even with a good lawyer, if you car breaks down on the way to a wedding, and you leave the couple with no picts of their big day, the judge is going to rule in the couple's favor. That is understandable, as it's a one time shoot. The insurance would pay all or most of the award, depending on the judgement.
    This is my only source of income now, and I am set up under a sole proprietorship. If I didn't have this, and was sued and lost, it would not only cripple my business, but probably put me into bankrupcy personally. That why I think this particular membership is sooooo important.
     
  6. Christie Photo

    Christie Photo No longer a newbie, moving up!

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    So, ya think the disclaimer may not be strong enough? It reads:
    "The studio takes utmost care with respect to the exposure, development, and delivery of photographs. However, in the event the studio fails to comply with the terms of this contract, the studio's liability is limited to refund of deposits."

    In fact, when I review this with my clients, I "joke" that, "if the labs screws up, you can't have my house."

    I've always felt "safe" with this clause. Any thoughts?
     
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  7. elsaspet

    elsaspet TPF Noob!

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    Yes, I have the same thing in my contract, however, let's look at it this way........
    Say my car throws a rod on the way to the wedding. I'm in the middle of nowhere but still continue to make efforts to get to the wedding. I walk for a while, make it into town, catch a cab, but make it to the wedding 2 hours late missing the ceremony entirely.
    I've tried my upmost, but I'd still lose the case because I had failed to maintain my car WHICH IS within my control.
    Or another senerio-I'm at the wedding on time, take all my pics, and get home to find that I have one corrupt card and am missing the all important ceremony completely. (I shoot two cameras during the ceremony so this doesn't happen, but say in this instance I only have one camera). I would lose the case again for not having taken precautions against this by not having a proper backup. I know a lot of wedding photogs just starting out who don't have two and three cameras.
    We can go on and on about how things can go wrong. Hard drive crashes, hospitization, etc. Most of us take precautions against these things. But even with precautions in place, things can still go terribly wrong.
    Edited to add...True Story I saw on FM about a year ago:
    Guy goes to a wedding with two cameras and a craploaded of lenses and cards. During the reception, he switches over to his wide angle and puts his other camera in his bag which he leaves by the DJ. Shoots away and comes back to change a card only to find that his entire equipment bag was stolen. (As well as all the cards he'd already shot). Not only does this guy lose all his equipment exept for the camera on his neck, he later gets sued too.
     
  8. Alison

    Alison Swiss Army Friend Supporting Member

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    Wow, thank you for the great information! This is something I'll look into further. Like Pete, I have wording on my contract that states the extent of my liability is the amount paid, but I have a sense that might not be enough.
     
  9. danalec99

    danalec99 TPF Noob!

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    Insurance is a must. I too have heard a lot of bad stories. I have to start research on this soon. I've heard 'State Farm' is a good company too.

    Cindy, why don't you register as a limited liability company?
     
  10. elsaspet

    elsaspet TPF Noob!

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    I didn't know how to do all that. My ex had a limited partnership and I remember it as being a big todo.
     
  11. danalec99

    danalec99 TPF Noob!

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  12. elsaspet

    elsaspet TPF Noob!

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    Thanks for the link, Dan. I'll go check it out.:thumbup:
     

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