----- Original Message ----- From: "David J Brooks"
Subject: OT? Insurance
For any of you out there shooting weddings, action etc, do you carry additional insurance over and above what your home insurance rider would cover.?? Mostly curious if you have seperate liability. I'm finding that 45-48% of my expenses are insurance. Looking for a work around if is keep shooting equine or do any weddings.
I've never bothered. My contract spells out that there is always the unfortunate possibility that things may go sideways, and if the worst happens, they needent plan on collecting anything from me beyond the agreed upon fee less the non refundable deposit. Between that and medicare, I'm not seeing a need to take it further.
William Robb
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