I don't carry insurance. Like William, my agreement specifies that
I'm not responsible for any failures above and beyond the fee. I also
point out that to date I have never failed to please my clients.
Paul
On Oct 2, 2008, at 8:48 PM, William Robb wrote:
----- 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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