Doesnt disability affecting one's job apply almost any profession, and not just photographers?
What will happen to a full-time photographer if he was unable to click the shutter anymore due to some accidents he just had?
How will he take photos then?
Will he become an assistant photographer?
Hmm...
My friend was telling me about this insurance coverage just for full-time photographers.
I think its a good investment and coverage for us. If you guys interested, just pm me. i'll pass his contact.
What will happen to a full-time photographer if he was unable to click the shutter anymore due to some accidents he just had?
How will he take photos then?
Will he become an assistant photographer?
Hmm...
ouch ian. hang in there. btw why do u need PLI for 40mio? r u covering jlo's ass?
In Australia, Public Liability insurance is really essential for running your own business. I think the minimum you need to buy will be 10 millions. That's is the amount I was insured for when I was running the business.
In Singapore, on the other hand, the PL is not so much an issue as compared to Australia, so generally not required but good to have.
Back to the point above, generally, best to make sure that the photographer don't take too much risk in terms of getting work done and make sure you save your back when you are doing your things.
If you are late for appointment, don't speed as you will be late anyway... there are a lot of preventive measure one can do to make sure that he/she can still click that shutter.
Of course, Ian's case is of course lots of bad luck which might not be able to avoid... of course, insurance is good to have.
Hart
can use voice activated gadgets to trigger the shutter.
Firstly, I'm in that situation for the next two years due to a spider bite on the leg in Botswana that filled one leg up with Golden Staph and also due to a major illness last year (pneumonia + H1N1 which lead to respiritory and cardiac failures) which I can tell you is NOT a bundle of fun.
I did have (and still have) income loss insurance that covers me not only for temporary disability but also permanent disability as well as disability overheads (keeping my PA/AP employed, paying general bills for the business etc). It's the best insurance I ever paid out for and all of the years of paying for it each month have really paid themselves back in the past 20 months.
Though I can't wield a camera at present my main international clients and local clients are a very understanding bunch and for the local clients at least my PAAP (what else can I call her) has been doing the work under strict guidance. So far she's done very well too.
In the meantime I'm taking what could best be called "long service leave" haha. Should be back fully at work in 2012 at the latest according to the doctors.
If you're working professionally (self employed) then you should consider such insurnace as well as public liability insurance which is an other MUST have insurance. I currently carry PLI to the value of $40 million USD.
Where can you buy income loss insurance? From my understanding, the premiums are very high right?
Firstly, I'm in that situation for the next two years due to a spider bite on the leg in Botswana that filled one leg up with Golden Staph and also due to a major illness last year (pneumonia + H1N1 which lead to respiritory and cardiac failures) which I can tell you is NOT a bundle of fun.
I did have (and still have) income loss insurance that covers me not only for temporary disability but also permanent disability as well as disability overheads (keeping my PA/AP employed, paying general bills for the business etc). It's the best insurance I ever paid out for and all of the years of paying for it each month have really paid themselves back in the past 20 months.
Though I can't wield a camera at present my main international clients and local clients are a very understanding bunch and for the local clients at least my PAAP (what else can I call her) has been doing the work under strict guidance. So far she's done very well too.
In the meantime I'm taking what could best be called "long service leave" haha. Should be back fully at work in 2012 at the latest according to the doctors.
If you're working professionally (self employed) then you should consider such insurnace as well as public liability insurance which is an other MUST have insurance. I currently carry PLI to the value of $40 million USD.
Though I can't wield a camera at present my main international clients and local clients are a very understanding bunch and for the local clients at least my PAAP (what else can I call her) has been doing the work under strict guidance. So far she's done very well too.