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Photography Business
Insurance Question
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<blockquote data-quote="Rick M" data-source="post: 722137" data-attributes="member: 4399"><p>Exactly. If you start getting paid you'll need Business insurance if you want the correct above board coverage. Homeowners is usually total loss coverage.</p><p></p><p>If you are being paid as a freelance, you might be better off creating a business so you can write off your gear, mileage, ect. The benefit may outweigh the cost of the Business insurance.</p><p></p><p>Once you get paid it becomes a real slippery slope. If I get into a car accident while transporting my show materials I'm not completely covered by my home/car policy. It becomes commercial which normal homeowners/car doesn't cover if full (In NY state). your business becomes a second party in the claim which could then open up personal assets depending on what type of business you are.</p></blockquote><p></p>
[QUOTE="Rick M, post: 722137, member: 4399"] Exactly. If you start getting paid you'll need Business insurance if you want the correct above board coverage. Homeowners is usually total loss coverage. If you are being paid as a freelance, you might be better off creating a business so you can write off your gear, mileage, ect. The benefit may outweigh the cost of the Business insurance. Once you get paid it becomes a real slippery slope. If I get into a car accident while transporting my show materials I'm not completely covered by my home/car policy. It becomes commercial which normal homeowners/car doesn't cover if full (In NY state). your business becomes a second party in the claim which could then open up personal assets depending on what type of business you are. [/QUOTE]
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