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Why you should carry liability insurance as a photographer
Wesley R. Bush, Photographer
Murfreesboro | TN | U.S. | Posted: 4:37 PM on 01.19.15
->> You can't make this stuff up.
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Rob Sirota, Photographer
San Jose | CA | USA | Posted: 10:39 PM on 01.20.15
->> Actually it was made up... It's BS... A camera did not knock anything out...
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Jim Cowsert, Photographer
Dallas | TX | USA | Posted: 7:54 AM on 01.21.15
->> Don't know if this is true or not. But, I don't understand why a working photographer on a sideline or venue anywhere would be there without insurance or at the minimum a good liability policy.

I also don't understand why these venues, teams, leagues, etc.., don't require a certificate of insurance before credentialing someone. There's just too much to risk.

What do you think is going to happen when some little kid runs into your 70-200 lens hood that's strapped over your shoulder and gashes his forehead? I'm not a lawyer, but pretty sure you, the venue, and your "wire" agency just opened yourself up for a lawsuit.

Recently after shooting an NBA game, a couple venue officials came into our workroom and questioned another shooter if he caused some scratches on the baseline where he was sitting. They even went as far as inspecting his seat cushion to see if it could have caused the scratches on the floor. Later it was determined that they were caused by a film crew, but at the time I was thinking that I sure hope he had a good liability policy.

Recently I changed my business policy from Hill&Usher to another agent and was going to pass along this agents contact info to other photographers since he saved me a few hundred dollars a year. At a recent event I asked several photographers if they had insurance and was very surprised that about half I asked had none, but only a homeowners policy.

All it's going to take is one mishap and you'll be glad you spent the extra $600 or so a year. It's peace of mind for me.
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Sam Santilli, Photographer, Photo Editor
Philippi | WV | USA | Posted: 8:47 AM on 01.21.15
->> Jim, none of the youth leagues, middle schools, high schools, colleges or universities have asked me for proof of insurance. I do supply them the info for their records. And in bid situations, I always ask that proof of insurance be part of the RFQ. Most youth leagues do not even care if the bidders have a business license. I went as far as telling a league president that if he likes his house, he had better make sure the GWC he gave a contract to had better have liability insurance. Getting scary out there.
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Max Waugh, Photographer
Bothell | WA | USA | Posted: 2:13 PM on 01.21.15
->> The government sometimes requires proof of liability insurance before they'll issue photographers guiding or commercial shoot permits in parks or other federal lands. You're required to list the park service as an Additional Insured so they can cover their own rear end if something happens.
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Thread Title: Why you should carry liability insurance as a photographer
Thread Started By: Wesley R. Bush
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