I read a news article about a photographer and a magazine being sued for $300,000 for allegedly breaking a 2,630-year-old statue while photographing it for an assignment. According to a lawsuit filed April 24 in New York state supreme court, the 2,600 year-old archaeological specimen was destroyed when "photographers" hired by Art + Auction magazine to photograph the statue moved it. (http://www.pdnonline.com/news/What-If-You-Break-a--5562.shtml)
Photo shoot disasters sometimes happen that’s why photographers should consider photographers insurance. A Professional Photographers Insurance policy is designed specifically for people that earn their income with their camera and accompanying equipment. The insurance covers the photographer in case they are sued for failure to perform their duties or malpractice. Also part of the coverage are their equipments, photos, prints, DVDs, videos from theft, damage and from several losses of commercial and general liability.
Nowadays, there are many insurance companies out there that cover photographers insurance which could protect a photographer’s business against unexpected incidents.