What type of Photography Insurance Policy do I Need?
Posted: June 4, 2012
Prospective clients will often ask us, “What type of policy do I need?” Without assessing the nature of your photography business, our answer is always “it depends.” The insurance problem solvers at APA Insurance believe that there is no cookie-cutter coverage that is going to fit the needs of every photographer-each photographer is different with a unique business model. Thus, we design a custom coverage...
Because Camera Equipment is Not Cheap...
Posted: June 4, 2012
Professional photographers know that camera equipment is not cheap. Oftentimes, it takes years for photographers to acquire the equipment that allows them to make the most of their work. And, when photographers have their equipment collection “just right” the last thing they want is an accident. Unfortunately, the insurance industry exists because of one everlasting fact of life—accidents happen. What would you do if your...
A Photographer's Risk Exposure – How protected are you?
Posted: May 25, 2012
Imagine this scenario: Your shoot is going well. The client loves your work, your team collaborates like a well-oiled machine and than this: An elderly woman trips over your gear during a location shoot and lands in the hospital with a broken hip? Or, your 6-year-old talent accidentally touches a hot light and becomes injured on your set. These are not just hypothetical scenarios; these...
Photography Insurance: BODY IN MOTION Contest
Posted: May 8, 2012
As your Photography Insurance experts, we make it our mission to not only protect your business with the RIGHT coverage as a professional photography insurance client, but also pass along news that is relevant. Thus, we are happy to share a “Body in Motion” contest sponsored by Profotio.com. $600.00 in cash prizes will be awarded. The contest deadline is June 1, 2012 (11:59PM CST). Eligibility: Open...
Do Independent Contractors Need Workers’ Comp?
Posted: April 13, 2012
Do you have an independent contractor working for you? Are you at risk of a lawsuit if that independent contractor is injured on the job? Workers' Compensation regulations have opened the door for lawsuits. Contrary to popular belief, you CAN be held liable if a 1099 contractor does not meet certain working requirements. New regulations make a default assumption that “independent contractors” are actual employees unless explicit...