APA Insurance Services

Reviews like this make us smile from ear to ear! We love hearing from our clients regarding what we are doing well or what we could improve on. Either way, we are always aiming to improve in everything that we do. #apainsurance #review #improvement

COVID-19 has definitely taken a toll on all of us, including putting many out of work. If you are a photographer who is struggling to find business during this time, here are some ways (socially distanced, of course) you can take advantage of the downtime by building your professional portfolio. #apainsurance #unemployment #photographer

We are only one month into 2021, which means it is not too late to set goals for the new year and go after them! If you dream of becoming a professional photographer or just have a goal to take more pictures, consider us for the insurance you will need to get the job done! #apainsurance #newyear #dream

As with the importance of voting in this country’s elections your voice is needed to help shape the future of APA. Please fill out the APA Survey today! Link in... Bio. Georgia-based Commercial and Editorial Photographer and board member of APA Atlanta Matt Odom is part of APA’s Diversity Committee, which produced the survey. Matt has worked with publications like National Geographic, The New York Times, Associated Press, and has worked with Commercial clients like, Ryder, Google, Truist, Dell, and AT&T. When not shooting Matt enjoys his favorite hobbies comic-collecting and coaching soccer. One of his favorite quotes comes from his grandmother, There’s never a wrong time to do right.

Q&A: If a shoot is canceled last minute or in the middle of the shoot, because the photographer has Covid, is it covered by Workers Comp, General Liability, and Loss of Business Income policies? Ed Gillman, APA: No, there is no insurance coverage for small businesses or contractors which addresses pandemic related loss of income. However, it could be governed in the contract with the client. There is, however, a general shield against liability for businesses that provide a ...written warning are further protected by a rebuttable presumption that the person trying to sue assumed the risk of being exposed or contracting COVID-19 by entering the facility or engaging with the business. To be eligible to assert the presumption, businesses must post the warnings at a point of entry to the premises, and for special events, can print the warning on tickets or wristbands. Posted warnings must be in Arial font of at least one inch, which is 72 points or greater, be placed apart from all other text, and state the following: Under Georgia law, there is no liability for an injury or death of an individual entering these premises if such injury or death results from the inherent risks of contracting COVID-19. You are assuming this risk by entering these premises. Warnings printed on tickets or wristbands must be at least ten-point Arial font and appear apart from all other text, and state: Any person entering the premises waives all civil liability against this premises owner and operator for any injuries caused by the inherent risk associated with contracting COVID-19 at public gatherings, except for gross negligence, willful and wanton misconduct, reckless infliction of harm, or intentional infliction of harm, by the individual or entity of the premises.