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Move the sofa - scratch the floor

Professional Photographers are often (daily) asking me what insurance covers. I try to write about specific situation that have caused heartburn to professional photographers. A wedding photographer was shooting a wedding. A sofa was in a bad spot and needed to be moved. The photographers second shooter and a groomsman slide the sofa across the floor. The owner of the venue took exception to the 12 foot long gouge in the floor. Our insured filled a claim and $4,200 was paid to the venue for the repair expense. By the way, in most cases, liability claims like this are not subject to a deductible. So, this was covered under general liability and the insured paid nothing out of pocket. Professi

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