 Danielle E. Rutter |
Insurance Okay I know there are a few experts on this lingering about... so I need your help. Insurance! I don't really know what kind I need. I'm just starting up my business and I'm doing a marketing plan right now that will hopefully get me some business with people I'm not friends with already. :P But because I'm an on-location photographer, I know I need insurance to protect me in case somebody/something gets hurt. The thing is that I haven't yet officially declared my business with the state and don't plan on doing so until March (for other reasons). Does this effect my ability to get insurance? And if I can still get it... where do I begin? Thanks in advance!
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Mark Feldstein |
Howdy Danielle. Here's a link to a nearly identical question I answered for someone else this morning. http://www.betterphoto.com/forms/QnAdetail.php?threadID=27203 Insurance agents are usually interested more in commissions than whether you're conducting business without being properly registered with the state, etc. But ask an agent whether payment of a claim is contingent on registration. Also, you'll do much better taking advantage of a professional organization's insurance plan than finding one on your own. WPPA I guess may be good for you, or PPofA. I get my insurance through National Press Photographers and ASMP.org, They're great, reasonably priced, and quite efficient at processing bond applications when I need permits to be doing commercial shoots on location. Take it light but make sure it's insured first.
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John H. Siskin |
The deal with the photo organizations is usually good. But I have to recommend State Farm. I was with them for about 3 months in 2004 when my studio was broken into. Between 10,000 and 20,000 dollar loss. They took GREAT care of me. REALLY GREAT. I can’t imagine a more helpful organization. So you might give State Farm a call. Do it soon. Insurance is a great tranquilizer. Thanks, John
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