Katherine, my agent told me that you can get insurance event under the Help-Portrait tax ID number and you just specify it as your location.. SO mine will be with the help-portrait parent organization insurance the NEW HAVEN ONLY event..
We have 20 photos, 20 general volunteers, and a LOT of other crap.. Its pretty big, but we haven't required an LLC yet. Our insurance lady told me that it wouldn't be hard to write up insurance coverage for the event under the help-portrait ID# but as a [city name] Chapter.. So we are the New Haven Chapter of Help_Portrait.. Our insurance is under the main Help-Portrait but it only covers the New Haven Help-Portrait event.