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trying to pick a decent gen liability ins co that will be there if i ever need them to be, not really trusting the co. that we use now, any good suggestions is appreciated
 

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Hi, my Son is a Freelance Videographer/DOP in the Film & Television industry in Victoria, and I am wondering if my Son needs to have Public Liability Insurance for his work. All of his freelance work consists of being hired by Production Companies, Directors, and other professionals within the industry, and he invoices those people once he completes his work or contract. He is not a registered business, but he does have an ABN for Invoicing purposes, so he would be deemed to be Self Employed, not the owner/operator of a registered business, therefore I would have assumed that he does not require any Public Liability Insurance, but must have his own Equipment Insurance, which he already has with a company called AON I would assume that if he is employed/contracted to carry out work for someone else, they would, or should be required to have Public Liability Insurance that covers those who are working for them against accidents, etc. Someone told me that because he is being employed as a Freelancer, he should be completing an employment contract of some type, and he should be making sure that they also have Public Liability Insurance in place, but I am not sure this information is actually correct. My question is, does my Son need to have Public Liability Insurance if he is employed by another person or a business as a Freelancer. I hope this makes sense, if not I can provide more info if needed.
Yes, he will need $10 million in coverage.
 

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Reverend, R.S.E., Master Plumber
Nice Head, what’s in the bag?
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You don’t need insurance,
insurance is for suckers!
Why pay all that $ for insurance, If $hit hits the fan, you get off Scott free and don’t have to pay any $$$ to anyone if you don’t have insurance!
 

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You can write the fine print on your contract anyway that you want it. If the customer signs a contract saying that you are not liable for anything because of any reason you're probably good
 

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I have an uncle that lives in Victoria who also happens to be a videographer. He says you have to go through the EPA to get your certification the epa.gov website has all the info
 
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