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Question

Photography Insurance

Forum|Forum|1 year ago
February 27, 2025
3 replies
547 views

I do have an answer for my question regarding insurance and found what I am looking for, so since I can't delete or turn off comments, no need for any more replies, thanks.

Contributors

Jill_C

Community Expert

Did you post those images in Adobe Stock or any other stock site? If so, delete them now. You can't make commercial use of images of someone else's property. Though some photography business policies can provide some limited liability protection, they aren't necessarily going to protect you against breaking a law.

Jill C., Forum Volunteer

K

kirkandmimiAuthor

Known Participant

Thank you, the images are deleted. I understand my post makes me look like a dummy, but this was a unique situation though it may not sound like it. I have over 7000 images on adobe and well over that amount on other sites with no issues so I'm fairly experienced, but I do appreciate your advice and comment.

Abambo

Community Expert

Oh sorry, I hope you didn't find my post insulting. Intellectual Property is a topic that continues to flummox and confuse even very experienced photographers, and Adobe's Help Pages on that subject aren't comprehensive enough to be "the last word". Additionally, their Moderators apply the guidelines inconsistently. I submitted 2 images of the legislative chambers in a State Capitol Building. One was accepted, and the other rejected for IP...

Additionally, their Moderators apply the guidelines inconsistently. I submitted 2 images of the legislative chambers in a State Capitol Building. One was accepted, and the other rejected for IP...

By @Jill_C

Sure, they are poor guys, having only seconds to decide on your picture. IP is a real issue for Adobe, as if my IP would get violated, I would not sue you, but Adobe. Why? They have the big cash. It's easy like that. (That's wisdom I got from a seminar on law, where the company lawyer said: before we decide to sue someone, we check if they have money. No money, no incentive. Of course, this does not rule out the possibility that an example will be made from time to time. And then you choose the weakest in the chain. The law is from time to time.)

[Abuse removed by moderator]

ABAMBO | Hard- and Software Engineer | Photographer

Abambo

Community Expert

As Ralph says, you need to have the proper authorization. Yes, there exist insurance, but nothing that protects you from straight negligence. Insurances are more for doing harm to someone, like going backwards and kicking the $1000 wine bottle and ruining that wine.

All depends on the country you live in. And be aware, there is a difference between doing something professionally and doing it as a hobby. Stock is a professional activity. My first reflex would be to contact my insurance guy.

ABAMBO | Hard- and Software Engineer | Photographer

K

kirkandmimiAuthor

Known Participant

Thank you for the reply.

If this helps anyone else in the future, this is the type of insurance I'm talking about, and so far, this TCP company seems to be the most thorough:

Photographer’s Errors and OmissionsLimit: $1,000,000
Legal protection against lawsuits arising out of copyright infringement, trademark, trade name, title, slogan, false advertising, idea misappropriation, invasion of privacy/publicity right, or defamation arising out of photographic/digital visual imagery services. We offer several different types of E&O policies to help ensure your unique exposures are properly accounted for.

I'll keep my post up in the event it may help someone else along with your good general advice.

Thanks again to both of you, and if someone does actually have a recommendation, I'd love to know.

RALPH_L

Community Expert

I know of no such insurance.
The rule is pretty easy. If you are on private property or private propety is the

main portion of your photo, ask.

K

kirkandmimiAuthor

Known Participant

Thanks for the reply, but it does exist. Just looking for recommendations. On another board it was suggested just now that TCP photography insurance is considered the gold standard if that helps anyone in the future asking the same question.

If anyone else has another idea, let me know.

Thanks.

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