Hey Boo Photography wrote:
Speaking as an insurance agent with 20 years of business insurance experience, I suggest that if you have questions concerning insurance issues, you should contact an experienced insurance agent in your area.

So you can watch your agent call a dozen different corporate representatives to get answers...

JoJo wrote:

LauraPaige wrote:
"I'm fine. If I break something, it's not your fault. I'm the one climbing."

Cuts and scrapes are the more common injuries suffered by a model on a shoot.

What about the model that takes a tumble off of a rock or out of a tree and not only suffers a couple of scrapes but also a damaged spinal cord… rendering the model a quadriplegic.
Once the now quadriplegic model exhausts her medical insurance and her savings who is going to ‘provide’ for the model.

The model’s tune will change very quickly from
"I'm fine. If I break something, it's not your fault. I'm the one climbing."
to something more like
“my lawyer says $10 million for pain and suffering, another $10 million for loss of income, another $10 million for future medical…. oh and since the photographer knew the rock was wet and slippery, that’s gross negligence… treble the claim”

And when the nurse slowly wheels the pitifully broken body of the model into the courtroom do you really think none of the jury will be saying “that bastard knew the rock was wet – double the settlement”

Now $700 per year liability insurance starts to make sense.

If something like becoming 'quadriplegic' or something severe happens, it would be really nice to get some help from the photographer on that. I was just speaking in general. Cuts, scrapes, bruises, something that may need stitches... I incorporate those things into the picture. If I literally 'break a leg', I'm probably not going to ask much if anything from the photographer. [then again, I really don't know how much the hospital bill + insurance a broken leg is] Anything more than that... some assistance would be nice.

Neha B wrote:
Hi all,

I just got on MM and I just recently started freelancing as a make up artist. I have 4 years of experience in the beauty industry and thought this would be a good place to join other photographers/models. Please contact me if you have any good ideas for a shoot and need a MUA. I would prefer pay but am willing to do TFP.

Thanks everyone,

Neha

Pssst... probably best to start your own thread or post in the "casting call" area.

Neha B wrote:
Hi all,

I just got on MM and I just recently started freelancing as a make up artist. I have 4 years of experience in the beauty industry and thought this would be a good place to join other photographers/models. Please contact me if you have any good ideas for a shoot and need a MUA. I would prefer pay but am willing to do TFP.

Thanks everyone,

Neha

Was this posted to document an instance of brain damage and who is liable? My insurance does not cover blunt force trauma.

KonstantKarma wrote:

http://en.wikipedia.org/wiki/Gun_politi … ed_Kingdom

From the quoted link -->

The United Kingdom historically had one of the lowest rates of gun homicides in the world even before gun control legislation became stricter from the late twentieth century.[1] In England & Wales in 2009 there were 0.073 recorded intentional homicides committed with a firearm per 100,000 inhabitants; for comparison, the figure for the United States was 3.0, about 40 times higher, and for Germany 0.2.[2]

do I need to say more?

MDWM wrote:

"Knock-on-Wood" is not my choice of an insurance policy.

^^lol +1

JoJo wrote:

Cuts and scrapes are the more common injuries suffered by a model on a shoot.

What about the model that takes a tumble off of a rock or out of a tree and not only suffers a couple of scrapes but also a damaged spinal cord… rendering the model a quadriplegic.
Once the now quadriplegic model exhausts her medical insurance and her savings who is going to ‘provide’ for the model.

The model’s tune will change very quickly from
"I'm fine. If I break something, it's not your fault. I'm the one climbing."
to something more like
“my lawyer says $10 million for pain and suffering, another $10 million for loss of income, another $10 million for future medical…. oh and since the photographer knew the rock was wet and slippery, that’s gross negligence… treble the claim”

And when the nurse slowly wheels the pitifully broken body of the model into the courtroom do you really think none of the jury will be saying “that bastard knew the rock was wet – double the settlement”

Now $700 per year liability insurance starts to make sense.

LauraPaige wrote:
If something like becoming 'quadriplegic' or something severe happens, it would be really nice to get some help from the photographer on that. I was just speaking in general. Cuts, scrapes, bruises, something that may need stitches... I incorporate those things into the picture. If I literally 'break a leg', I'm probably not going to ask much if anything from the photographer. [then again, I really don't know how much the hospital bill + insurance a broken leg is] Anything more than that... some assistance would be nice.

My point is that even the most simple fall could result in horrendous medical bills.

Some photographers have what they think are iron-clad liability releases but the only time the iron-cladness of the release can be proven is in court.

I seriously doubt that a jury in a $10 million plus negligence/gross negligence case will look favourably on a defendant standing up in court and saying "here's the liability release - it's not my problem she is paralyzed for life - she signed it"... and then looking over at the bandaged wheelchair-bound plaintiff.

A $700 annual liability insurance policy covering the photographer and models costs $1.91 per day.
Small price.