Professional photographers rely rather heavily on their good reputations as business owners and artists. So, what do they do when something goes wrong on assignment and their reputations are about to get smeared? If they are Professional Photographers of America (PPA) members, they turn to the Indemnification Trust.
The Indemnification Trust (or simply, the Trust) is a unique program offered exclusively to PPA members. It is not insurance, but rather a unique trust fund that was established to help protect photographers from allegations of negligence while on an assignment. You might even say it's like Kevlar for their reputation! However, the PPA Indemnification Trust is not business liability insurance, and situations that are not considered negligence are not covered. Some examples of what situations the Trust does help resolve are as follows:
- Digital image data loss (corrupt media card or hard drive failure) relating to a paid contracted assignment
- Failure of the photographer to be at the event or assignment at the specified time
- Missed or missing images
- Client dissatisfaction with services rendered during an assignment or as contracted