Errors & Omissions: Protection From Off-the-Wall, Groundless Lawsuits

Liability insurance is designed to provide for the photographer or videographer's legal defense and pay for awarded damages when another party alleges some negligence or wrongdoing that resulted in a loss. General Liability coverage specifically addresses bodily injury, property damage, and personal/advertising injury. 

An unhappy or unsatisfied bride or groom may not allege that you physically injured either of them; but that won't always stop a lawsuit from being filed against you. Rare as they are, claims against professional photographers that allege an Error or Omission do happen, many times years after the wedding event...sometimes after the marraige already ended in divorce.

Read the New York Times article entitled "Years Later, Lawsuit Seeks to Recreate a Wedding":

Click here

Read MSN's article entitledentitled "Groom Sues Photographer, Demands New Wedding":

Click here

Errors & Omissions is a unique brand of liability insurance that will often defend the professional against professional services lawsuits. Package Choice is pleased to offer Errors & Omissions nationwide. 

How or whether insurance coverage responds, of course, depends on the allegations and the facts specific to each case; but, it's fair to state that the purpose of E & O is to defend a photographer when the bride, groom or other individual claims that the work product falls short of reasonable professional standards.