Starting a business specializing in portraiture

Started Jan 24, 2014 | Discussions thread
Joe Pa Senior Member • Posts: 1,807
Re: Let's create a Semi-Pro Forum

Michael Fryd wrote:

Joe Pa wrote


These are cases outside of business situations. People in their personal lives are sued very often but that is typically related to car accidents, etc.

The point I was making was about business insurance. I've never known anyone that was sued by a client, model or 3rd party while taking pictures / video professionally.

Yet car accidents while driving for business are typically not covered by personal insurance. If your intent is to shoot clients on location, then you may need business car insurance.

I am am happy to hear that the photographers you know have never been party to a suit. I don't know anyone who has lost their house to a fire, however I still have fire insurance.

There are lots of hazards that can happen on location. Direct a client to sit on a log, and she gets swarmed by ants or bees; you could be liable. The log is weak, give way, and she breaks a leg. You may be liable. Perhaps the client is not a gymnast, you ask her to stand on a log, and she falls.

There are lots of situations where an on-location photographer can be sued. Do a web search and you will find lots of examples.

Maybe the UK is different or you're just a more honest person than most, but I've never been asked when involved in a car accident if I was driving for work or pleasure.

As I said, you can be sued for anything, I'm never suggested to the OP he not get insurance, just simply putting it in better perspective that it's likely he'll never need it, but would still want to have it.

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