Does anybody know what sort of insurance you need to do location shooting? Say you want to stage a shoot at a store and bring your lighting and models. Assume that you've received permission to use the location. What sort of insurance would you need, and how much does something like that cost. Do you get it on an as needed basis?
Basically you need liability insurance. You can usually get a $1 million addition to a homeowner's policy pretty cheaply. I'm sure there are also specific business-related policies, but they may be more expensive, and require you to have a business license. If you are going to get into a type of photography where you anticipate needing insurance, you might consider incorporating as an LLC to further shield your personal assets.
Is your camera equipment covered under an insurance policy for business or personal? If business then you may already be covered. Under my business policy property damage among other things are covered up to a certain amount. No case by case basis needed.
Thanks. I don't need it quite yet, but the type of photography I'm starting to do will eventually lead to my needing something. At some point, it might be a good idea to incorporate. And I think only my personal equipment is covered under my homeowner's policy. I'd still need liability insurance of some sort for models, crew and/or property damage.
... I'd still need liability insurance of some sort for models, crew and/or property damage.
Exactly. Check your current policy, because there's usually a limit on the value of stuff like camera's -- I once had an extra "rider" which covered computer equipment up to $25K. It also may be different whether the camera is considered a "personal" item or if it's used for "business" purposes. If you have an agent they should be able to clarify your situation -- they're being paid the big commissions to keep you happy (and sell more coverage!) ...
