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FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography 
Thread started 09 Aug 2013 (Friday) 13:54
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Insurance for part-time staff?

 
joeblack2022
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Aug 09, 2013 13:54 |  #1

I'm employed part-time by the local recreational sports league and was wondering how I should approach the issue of gear insurance.

The position requires I have my own gear and that I supply them with a finished product (i.e. JPEGs primarily for their website). I get paid for shooting, editing, and mileage.

I currently have no insurance on my gear (I need to look harder) but was wondering if the league should be pitching in on the premiums.

Thoughts?


Joel

  
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JacobPhoto
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Aug 09, 2013 16:48 |  #2

If a camera breaks tomorrow, can you afford a new one?

If the answer is no, you need insurance.

Whether or not the league pays for that premium is a negotiation you need to have with your employer. Just like all employment, this is negotiable as any other compensation is.


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1000WordsPhotography
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Aug 09, 2013 20:32 |  #3

Should you have insurance, absolutely.

Do i think the league will pay for it, probably not.

All your operating costs should have been a factor in how you arrive at what your fee is. I think it would be hard to go back and get that fee increased now.

Also there are venues that won't even let you shoot without basic liability coverage.


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Willie
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Aug 13, 2013 12:58 as a reply to  @ 1000WordsPhotography's post |  #4

Should they be pitching in on the price of buying new gear as well?

I doubt they care if you have insurance or not. That is for you to purchase.




  
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joeblack2022
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Aug 13, 2013 13:04 |  #5

JacobPhoto wrote in post #16194944 (external link)
If a camera breaks tomorrow, can you afford a new one?

If the answer is no, you need insurance.

Whether or not the league pays for that premium is a negotiation you need to have with your employer. Just like all employment, this is negotiable as any other compensation is.

Yes I could replace a camera but the outlay would suck.

Addiction2k wrote in post #16195331 (external link)
Should you have insurance, absolutely.

Do i think the league will pay for it, probably not.

All your operating costs should have been a factor in how you arrive at what your fee is. I think it would be hard to go back and get that fee increased now.

Also there are venues that won't even let you shoot without basic liability coverage.

I'm not a contractor so I don't see the need for liability coverage, I assume I would be covered under the league's coverage if such a thing even exists.

Willie wrote in post #16204713 (external link)
Should they be pitching in on the price of buying new gear as well?

I doubt they care if you have insurance or not. That is for you to purchase.

Perhaps not but maybe I can negotiate some kind of allowance for insurance and wear / tear on equipment.

Thanks for the responses! :)


Joel

  
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Insurance for part-time staff?
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