Hi Lindsay, Many thanks for your very helpful and kindly written reply. I have just spent my lunch hour (off contract and ToC writing, amalgamating, editing and proofing) perusing your equally well-written, informative and diplomatically-phrased blog. I shall be looking at it again most definitely. I now have insurance, indemnity and hope to have some rudimentary TOC by the end of the day. I am using a couple of templates (one from the SWPP, another from a legal firm, as well as editing in parts of best practice elements from other photographers' websites (in a non-plagiarist manner of course).
William, again many thanks for your reply. I appreciate the time it takes to mentor us newbies comes from your family and work time, something of which we never have enough
Many thanks and best wishes
Clare