What is the difference between Liability Insurance and the Trust?
You must first remember that the Trust is not an insurance program-it is an actual trust fund that provides assistance to participating members. The Trust protects you against accusations of photographer’s negligence while a Liability policy protects you against potential accidents. While this sounds similar, they cover two distinct types of issues. The Trust protects you when clients point fingers over something they believe to be within your control as their photographer. Based on the number of incidents reported to the Trust each year, the most common issues deal with data loss, a client’s dissatisfaction with the images or product production, or missing shots (often due to data loss or camera malfunctions). Your liability policy, which we encourage all photographers carry in addition to the Trust, protects you when you, your client, or possibly the venue has suffered harm. This might be falling while on location, having a live animal bite a child, or having your light stand damage
