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<blockquote data-quote="Browncoat" data-source="post: 354956" data-attributes="member: 1061"><p>Just to drive the point home, a couple of scenarios:</p><p></p><p><span style="color: #ff0000"><strong>Scenario 1: Homeowner's Insurance</strong></span></p><p>MWAC (that's Mom w/ a Camera) Stacy has her own photo "business" that she started on Facebook, <em>Precious Timeless Memories Photography</em>. She specializes in maternity and baby photos and has a nifty "studio" in the front room of her house. Mom-to-be Alice has just arrived for a photo session, and is 9 months pregnant. Alice slips and falls on the ice in the driveway, has a miscarriage, and sues Stacy.</p><p></p><p>Stacy's homeowner's insurance is not going to cover this. The insurance adjuster will determine that Stacy is using her home for business purposes, and there is no liability coverage under her standard homeowner's policy. There's that word again: <strong>USE</strong>. </p><p></p><p><span style="color: #ff0000"><strong>Scenario 2: Auto Insurance</strong></span></p><p>This time, Stacy is on her way to meet a young high school senior at the park for a photo shoot. She tosses her gear in the back of her car and drives off. During her drive, she decides to take a "I'm on my way to meet a client selfie" to post on Facebook...and she causes an accident. She is injured, her car is totaled, her camera gear is ruined, and the little blue-haired old lady she ran into has a broken collar bone and a busted up car.</p><p></p><p>Stacy's auto insurance is not going to cover this. The insurance adjuster will determine that Stacy is using her auto for business purposes, and there is no liability coverage under her standard auto policy.</p><p></p><p>Food for thought, kids.</p></blockquote><p></p>
[QUOTE="Browncoat, post: 354956, member: 1061"] Just to drive the point home, a couple of scenarios: [COLOR=#ff0000][B]Scenario 1: Homeowner's Insurance[/B][/COLOR] MWAC (that's Mom w/ a Camera) Stacy has her own photo "business" that she started on Facebook, [I]Precious Timeless Memories Photography[/I]. She specializes in maternity and baby photos and has a nifty "studio" in the front room of her house. Mom-to-be Alice has just arrived for a photo session, and is 9 months pregnant. Alice slips and falls on the ice in the driveway, has a miscarriage, and sues Stacy. Stacy's homeowner's insurance is not going to cover this. The insurance adjuster will determine that Stacy is using her home for business purposes, and there is no liability coverage under her standard homeowner's policy. There's that word again: [B]USE[/B]. [COLOR=#ff0000][B]Scenario 2: Auto Insurance[/B][/COLOR] This time, Stacy is on her way to meet a young high school senior at the park for a photo shoot. She tosses her gear in the back of her car and drives off. During her drive, she decides to take a "I'm on my way to meet a client selfie" to post on Facebook...and she causes an accident. She is injured, her car is totaled, her camera gear is ruined, and the little blue-haired old lady she ran into has a broken collar bone and a busted up car. Stacy's auto insurance is not going to cover this. The insurance adjuster will determine that Stacy is using her auto for business purposes, and there is no liability coverage under her standard auto policy. Food for thought, kids. [/QUOTE]
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