egafd.com

Hi kim,

Think I need some help now.lol
not sure where everything is going or what i should or shouldnt be doing - so hope you dont mind , but will take you up on your kind offer of advice and will e-mail you direct

Regards
Jayne
aka Storm

Daz,

Read Storm's post again - it's not PL insurance, it's "Public LiabilTITY insurance" - something very different (and specific to the industry)!

Seriously though Storm, if you need any advice relating to insurance please feel free to email me - fully qualified Chartered Insurer and more than happy to help if you have any queries on the subject.

Thanx for the offer Big Al, and for pointing out the spelling mistake, lol
must have been a Freudian slip, lol. my 40G's do tend to get in the way alot, lol xx

Hi Alan.
Was busy tearing you off a strip for having a go - then realized exactly what you wrote.
Good job I read your post again, now I see it was a joke... have you not heard of smileys?
!grin!!grin!!grin!

!grin!!grin!!grin!

Seriously though, it did set me thinking Daz.

If I can qualify one point you made, PL insurance covers liability for property damage and injury (including illness) both "at the premises" and away from the premises.

So I can see why a model (who regards herself as self-employed) might be advised to take out PL cover. e.g. if he/she were to spread an STI that prevents another model from working then that model might have a valid claim against the negligent party for loss of earnings, etc.

All very hypothetical because I can't see many insurers offering PL cover to models, nor many models actually buying it. Other avenue is that models rely on the producer/tog's EL cover, which will treat self employed persons working under his/her direction as "Employees".

Third scenario is that neither party bothers with insurance!

Storm, whilst I can claim to have painted Clare's 40DD's and Jeanie's F's, never have my brushes stroked size H breasts! !grin!!grin!