Luminous Landscape Forum

Equipment & Techniques => Medium Format / Film / Digital Backs – and Large Sensor Photography => Topic started by: roskav on November 26, 2008, 06:10:09 pm

Title: Amounts of public liability insurance
Post by: roskav on November 26, 2008, 06:10:09 pm

Just had a request to increase my PL limit to 5 million.  It's at 1.3m at present.  This is just for me and two actors in a public park.  Does this sound way over the top.  (Euros!)

Ros

PS Thought this might be the best subforum .. .. I will be using MF on the shoot!

Title: Amounts of public liability insurance
Post by: rethmeier on November 26, 2008, 07:46:13 pm

Mine in Sydney is 20 Million AUD. (10 Million Euro)
10 Million AUD is the minimum here in Australia.
Cheers,
WR.

Title: Amounts of public liability insurance
Post by: Sheldon N on November 26, 2008, 09:35:18 pm

You're not buying insurance for yourself really... It's more about providing a layer of protection for the city/county/state entity who might also get sued.

$1M just doesn't go very far when you are talking about a lawsuit against the government - hence the very high requirements.

Title: Amounts of public liability insurance
Post by: arc-technika on November 26, 2008, 11:42:40 pm

Wow, the most I've ever heard from a friend was a $4M liability certificate for a financial institution. But, even that seems excessive in my opinion. I'm looking into a new personal property and liability insurance plan and will probably utilize a $2M for the time being.

Title: Amounts of public liability insurance
Post by: elitegroup on November 27, 2008, 05:50:45 am

Same as Willem, $10 Million is the minimum for public liability insurance. It only costs $52 a month

Title: Amounts of public liability insurance
Post by: David Grover / Capture One on November 27, 2008, 05:56:13 am

We tried to do some photography in a castle last year.  They also required £10,000,000.

Seems the value is often set by the insurer(s) of the location.

Title: Amounts of public liability insurance
Post by: roskav on November 27, 2008, 06:23:19 am

V interesting! .. thanks all.  I got in touch with my insurer and they can temporarily increase the limit to 6.5 for one day and cost (which I will be passing along to the client)  isn't bad.  I wonder if it is better to do this or should I really have the higher value in place all year?

Ros