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V1 Issue 1

Why Do Photographers

Why Do Photographers Need Professional Liability Coverage? Small business service providers face claims from upset clients. In today’s competitive marketplace, small business service providers may easily face professional liability claims. Business clients expect more than ever before, and they are quick to allege negligence, misrepresentation or inaccurate advice when a professionals service performance falls short of their expectations. • Clients expect more from professional service providers. • Contractual agreements do not prevent claims. • Jurors look to business professionals as deep pockets. Here is an Example of a Photographer’s Errors & Omissions - A family hired a photographer to take family portraits as well as individual pictures of their three children. The agreement with the photographer stipulated that they would retain all pictures, and that the photographer would retain all negatives for in-house use only. While shopping at a local clothing store, the family discovered several of their pictures had been sold as advertising photos to the store. Further investigation revealed that several other photos had been sold by the photographer to catalog companies for use in upcoming advertisements. The family sued alleging breach of contract. The claim settled for $50,000 with legal fees of $20,000. Coverage – Some Miscellaneous Professional Liability programs are designed for business professionals as an enhancement to their current Business Owners Policy. This coverage responds to Third Party loss caused by a “wrongful act” arising out of ‘professional services.’ It can cover liability and defense costs from claims that allege errors or omissions in the rendering of professional services. Protects insureds from “Wrongful Acts” arising out of Professional Services: • Negligent Act • Errors and Omissions • Misleading Statement or Misstatement Limits of Insurance – Annual Limits ranging from $10,000 to $1 million with Deductible options from $1,000 to $5,000. Disclaimer: Circumstances of each claim vary. Whether or not coverage applies is determined by the individual facts of a claim. Howard Burkholz Allstate 801.451.8880 1361 N Hwy 89, #16 Farmington UT 84025 Howard Burkholz is a Sponsor of OPPA 14 • FOCUS OREGON

Image Titles - The 13 th Element You may know about the 12 Elements of a Merit Print but do you know about the unofficial 13th Element—Titles? By Lisa Dillon, M.Photog.Cr, CPP, FP-OR For new competitors, one of the most difficult parts of the Competition Game can be coming up with a title for your image. It’s a new concept— clients don’t expect titles. And what makes a good title anyway? It’s not one of the 12 elements, so how important is a title, really? Well, let’s start from the beginning. First, your title is the only chance you have to speak directly to judges so don’t waste it! The title is your chance to direct the judges’ attention to exactly what you want them to see. Sometimes the subject of your image isn’t the obvious house on the hill—it’s the small dog in corner that is standing guard over his charges. How do you get the judges to see that first? With a title that directs them to that spot. Instead of calling your image “House on the Hill” consider a title like “Strong Sentinel” or “Keeping Watch”. Lisa Dillon What makes a good title? A good title will take the viewer on a journey or pull them into a story. Storytelling is one of the 12 elements and your title should be a big part of telling your image’s story. Don’t waste your one opportunity to speak to the judges with a trite, overused title that doesn’t further your story. A title such as “Summer Beauty” does not bring me, as a judge, along with you into the image. I can probably see that the subject is beautiful and tell by the surroundings that it is summer time. So what would be a better title? How about “The Edge of 17” or “Ready to Spread Her Wings” or “Soaking in the Last of Summer’s Bounty” It’s also important to avoid what I like to call visual titles. That’s a title that is a play on words that you have to actually read to get. Using something like quotation marks or a homonym may not be well understood SPRING 2018 FOCUS OREGON • 15

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