2/6/2024 0 Comments Ultimate backup![]() ![]() Perhaps a romantic wedding with candles sees you knock over a candle and burn down the entire chapel. GCL coverage is designed to protect you if you’re found liable for property damage or bodily injury due to the operation of your business. McClelland explained that GCL is considered comprehensive insurance. ![]() Liability CoverageĪs a professional, it’s important that you think about securing General Commercial Liability insurance (“GCL”). However, as soon as an insurance company finds out that you were running a business, they are unlikely to cover you for any damages related to business use. Perhaps the most important thing that McClelland pointed out was that a lot of photographers assume that their personal home or auto insurance will cover them if they have clients into their house or live/work space. People think ‘it will never happen to me,’ but business insurance policies are a lot like parachutes if you don’t have one the first time you need it, there won’t be a second time. This means that the commercial side of small businesses can be dangerously unattended.Īnyone who’s being paid for their work should at a minimum have Commercial General Liability insurance. Photographers, at least at the beginning of their careers, are stereotypically more creative than business oriented. To outline what types of insurance are available for photographers and what these different types of coverage can insure photographers against.To help photographers understand the legalese of insurance, and.GTA’s seminars typically focus on helping photographers to develop the commercial side of their craft. Aside from professional printing, GTA has invested in being a good member of the photographic community by hosting a variety of seminars. I recently attended a photographers’ seminar about insurance with John McClelland of MiBroker at GTA Imaging. As a professional, you want to protect against risk. ![]() Also, because you have the forethought to realize that, regardless of what precautions you take, by their very nature, accidents are unexpected, you have insurance. If you’re a professional photographer, you deliver on time, you have contracts that set out clear obligations, you have backups, and you pay taxes. Although I am called to the bar, this article is not intended as legal advice and should not be relied upon as such. Neither Fstoppers, MiBroker, GTA Imaging, nor I accept responsibility for any errors or omissions and expressly disclaims any such responsibility. ![]()
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