Photographers in New York Now Have Access to Group Insurance Benefits

American Photographic Artists NY has partnered with Trupo, a freelancer benefits platform with curated benefits (including dental and accident insurance). Now photographers, photo agents, editors, photo assistants, producers and more can get benefits just like full-timers.

Photographers in NYC who work for themselves know how difficult it is to pay for health insurance. If you’re single, it’s not uncommon to pay in upwards of $700 a month for health insurance. To help photographers get a broader range of benefits and save them money, American Photographic Artists NY has partnered with Trupo. Trupo was started by the same folks who brought you the Freelancer’s Union and is designed to make things a little bit more affordable.

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The Importance of Finding Your Photo Family and Genuine Relationships

“When I say I found my photo family, I’m not trying to be cheesy or overzealous.”

I think the way each of us finds our way into photography is as special and unique as the background from which we each come. It’s a bit of our individual combinations of personality traits or the work we make behind the lens. Ultimately, we each reached a point where we realized there was nothing else we wanted to do with our lives. And somewhere along the way of that passionate pursuit, you hit a bump in the road and didn’t know where to turn, or perhaps you find yourself in that space right now.

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9 Things a Photographer Should Purchase Besides Gear

Photographers: You’d be shocked at what the $2,000 for a lens can do to help improve you instead.

GAS: lots of photographers have it and many can understand the need and benefit of getting a brand new lens that can render all the bokeh. But after a while, you’re pretty well saturated and set in the gear you’ve got. Eventually, you realize that you’re the one who takes the pictures and not necessarily your camera. And you’ll end up at a point where you want something, but don’t need it. That’s fine–satiate your wants as much as is reasonable. But when you want things, you’ll start to realize how much of your money can be invested into things that are bound to make you more money: that’s more about doing something for yourself as you grow as a photographer. Here are just a few.

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Realistic Advice for the Freelancer: Photography Can be a Grim Business

A recent thread on Reddit traced that professional creatives often have a pretty tough time.

If I were to go back in time and give any sort of advice to my younger self when I first quit my day job to run The Phoblographer full time, it would have involved a whole lot about money and personal health. Luckily, I don’t seem to be alone as a recent Reddit thread echoed the sentiments of many other freelancers in the US. For all of us, it seems very grim because of how our system works. And in general, it’s easy to say that a lot of us are often pretty scared of the things that those with full time jobs don’t even think about yet complain about to their higher ups pretty often.

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How Photo Walking Helped Me Get Out of Obesity and Gave Me a Better Life

Photo walking is honestly one of the best things that you can do for you, your mind and your body.

I posted a joke the other day to my personal Instagram: I can only have fun when I bring three or more cameras with me. Except in some ways, it isn’t a joke. I’ll bring an Instant film camera and any combination of either two film cameras, two digital or one of each. These cameras are what I’ll take with me for a day of actually getting out there and photo walking–which has become more and more of not only a rediscovered hobby of mine, but a way of life. Since giving it a genuine effort since the beginning of the year, I’ve lost 35lbs, beat obesity, have a normalized heart rate, a better blood pressure, and I’ve challenged my creative mind in ways that I never had the time to do previously.

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LensRentals Adds More Protection, From Bears to Tornados with its New Lenscap and Lenscap+ Plans

lenscap-FB-AdLooking to give its customers a bit more protection LensRentals has revamped its damage waiver program to help customers from having to pay the full bill for stolen and broken equipment. LensRentals announced it has added two optional protection plans called Lenscap and Lenscap+.

The standard Lenscap plan adds protection from drops, spills, and most importantly, bear attacks—all basic things photographers have to contend with on a daily basis. It will also limit your liability to the lesser of the cost to repair the equipment or 10% of the replacement cost. The underlying note of all of this you’ll never have to fork over more than 10% of the replacement cost of the damaged equipment, no matter how expensive the repair actually is. Of course that does not give you license to be a jerk throw your camera at a bear.

Additionally Lenscap+ add coverage for even more scenarios including fire, lightening, being sucked into a tornado, and in case it falls from an aircraft. Most importantly Lenscap+ is a more robust plan that photographers some insurance in case of theft and other situations where it’s impossible to return the rented equipment.

Prior to the Lenscap and Lenscap+ plans, LensRentals offered a flat $10 protection waiver. However, with the new plans pricing is variable with the standard Lenscap plan adding a fee that hovers around 15% of the rental cost of each equipment piece. Lenscap+, meanwhile, adds an average additional 25% cost to the rental. But it’s always better to pay out a few bucks upfront rather than pay for a bear mauled Zeiss lens in full.

Check past the break for a detailed breakdown of the Lenscap+ plan

Via Canon Rumors

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Useful Photography Tip #7: Cross Your T’s and Dot Your I’s

Don't wind up behind bars
Don't wind up behind bars

Don't wind up behind bars

In light of the most absurd photography lawsuit I’ve ever heard of, I thought this might be a good time to remind you to make sure you always have your paperwork in order. It won’t protect you in every case, but a signed contract, liability release form, model release forms, copyright licensing terms and whatever else is needed for your specific business model. I say business, but even if you’re shooting for fun or as a favor you should still get your documents signed to be safe.  I recommended 3 books in the Business and Legal section of The Phoblographer’s Library. The free software PhotoByte can help you generate custom forms and many photography stores carry generic ones.

Although forms and signatures will help with these things, none of them replace the benefit of having liability insurance like that offered by Hill & Usher (866-977-4725 x134).

Finally, you should always be smart and work to avoid the problems of liability in the first place. Take a look at The Phoblographer’s Checklist on How to Not Kill Yourself in a Photo Studio if you do studio work, but just like each discipline has its’ own set of legal documents, the same applies for how to be safe in your type of photography.

The resources I have provided in this quick tip should help you figure out the particular risks of your business and hopefully keep you out of court and protected if you do end up there.

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