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Most pros I talk to say PPA is worth it for the indemnification policy alone. Even for my business — product shots, walking around people’s cars — insurance is good. (Yes, I pay my taxes, maintain records, do releases, it’s OK.) Plus, it helps for advertising.
ISNWM: I apologize for the appearance of singling you out. I guess I just think, how would I feel if I saw someone trashing me, who didn’t know me, never tried to help me? Just trashing, and saying, “ENJOY!” I don’t take pleasure in the plight of others.
ISNWM and dontcare: Truce? Post a link to your work? I’d love to see it. Browneyedgirl has some nice work on her Flickr page.