OK I'm sure this has probably been discussed plenty of times on here before but a search couldn't locate the answer I'm after.
I'm offering to friends and friend of friends to do family photo shoots to build my portfolio for a few months.
I'm not charging them per se but I am providing a bit of a picnic spread and they are re-imbursing me for the costs of the food and drink.
As much as I'm not charging them, as far as most of them could see I am operating as a business who is offering a 'special deal' for example.
So, do I need public liability insurance? I will be operating in public places and not at my own home.
For those photographers that have it, what are your premiums for $10 mil coverage? or could you recommend a company to enquire with?