As a professional or even aspiring professional photographer, you need some form of insurance. If you don't have it, you could damage your career and financial future.
I often photograph brides at a waterfall nearby my studio. Let's assume I am photographing a bride, and (heaven forbid!) she slips and falls. Without insurance, this bad situation could be even worse.
When you shoot on location, you need to have insurance. Often when you purchase business insurance, you can buy policies that include coverage for shooting on location. At a minimum, you want coverage for your equipment in case of damage and liability coverage for you and your clients in case of injury. A typical liability insurance policy is $1,000,000 of coverage, although you can always purchase additional coverage and even specialized coverage, depending on your needs. Be sure that the type of insurance coverage you have doesn't just cover you within the walls of your studio but will also protect you on location.
Many professional photography agencies offer a form of liability insurance in conjunction with another company, or they recommend a variety of companies. Check the Web sites of Advertising Photographers of America (APA) or Professional Photographers of America (PPA) for current recommendations.
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