Believe me, it will happen to you as a professional.
There’s a saying here in America, “It’s not a matter of IF you’ll be sued, it’s WHEN.”
Yes, America more than any other place on earth is sue crazy. And while we could talk for hours on the good and bad of living in a sue crazed country, the bottom line is if you are going to be in business, you have to cover yourself as fully as possible. (And not just in America, around the world too.)
While you always hope you’ll never face the inside of a courtroom over your photography, preparing for it before it happens will leave you in a better position in case the unthinkable happens...."