Liability Insurance

What's that got to do with me? You are walking down the street, photographing a brand new fire hydrant; somebody turns around, looks at you taking your photos, falls on the street and gets hit by a car. You didn't touch the person, you didn't push the person or you didn't even take a photo of that person. You still get sued by the insurance company of the driver and by the person injured, because:

1. You are a photographer.
2. You did not have a photo shoot permit from the city.
3. You never go wrong blaming and suing somebody.
4. You are an easy target.

Are you covered?

Is it worth the money?

1. People always talk about liability insurance: if something bad happens, you are covered and they won't seize your house, the cat, the dog and the kids.
2. Many photo shoot locations require you to have liability insurance. No liability insurance, no work at that place. No if, then or but... No work. Period. The city of New York requires at least a $1 million dollar liability insurance before issuing a photo shoot permit.
3. Most events require photographers to carry their own liability insurance.
4. You can use the liability insurance as a competitive advantage against that "cheap" cousin/friend who will do the wedding coverage for $75.