Protect Your Camera Equipment and Business with Photography Insurance
Imagine you’re at a wedding shoot, capturing those once-in-a-lifetime moments, and then, oops! Without the right photography insurance, you could be on the hook for thousands in equipment replacement costs.
Click on one of the topics below to unpack your Photography business insurance:
General Liability ←
Professional Liability ←
Property Insurance ←
Contact Your Advisor ←
Start Online Claim ←
Submit Issue ←
Photography Insurance That Actually Understands Photographers
Our photography insurance isn’t just generic business coverage with a different label slapped on; it’s built specifically for the unique challenges you face as a professional photographer.
Equipment Coverage That Truly Protects Your Gear
Your cameras, lenses, lighting equipment, and accessories are the lifeblood of your business. Our equipment coverage protects against:
- Accidental damage during shoots
- Theft from vehicles, studios, or on location
- Damage during transit between locations
With Replacement coverage, you can either receive the full cash value it is insured for or replace it with a new model of a similar kind and quality.
Liability Coverage That Stands Behind You
Liability coverage steps in to handle your legal responsibilities if someone gets injured or if you accidentally damage property at a venue. This protection extends to:
- Bodily injury to clients or bystanders at your shoots
- Property damage at shooting locations
- Legal defence costs if you’re sued
- Medical payments for injured parties
Exclusive PPOC Member Benefits
As proud partners of the Professional Photographers of Canada (PPOC), we’re excited to offer PPOC members:
- 25% Discount on photography insurance premiums
- Access to exclusive health and dental plans ← through our Greenshield partnership.
Photography Insurance Coverage Options
We’ve designed three distinct packages with our online insurance platform HWICLICK that grow with your business.
To view full plan details: View PDF Document ←
Coverage Comparison Table
| Coverage Feature | Silver Package: CAD $450 per Year | Gold Package: CAD $600 per Year | Platinum Package: CAD $850 per Year |
|---|---|---|---|
| Ideal For | Emerging professionals or part-time photographers | Established photographers with valuable equipment | Full-time professionals with significant investments |
| Equipment Coverage | $10,000 | $10,000* | $25,000* |
| Commercial General Liability | $1,000,000* | $2,000,000* | $2,000,000* |
| Tenants Legal Liability | ✓ | ✓ | ✓ |
| Worldwide Coverage | Up to 60 days | Up to 60 days | Up to 60 days |
| Rented Equipment Protection | — | $25,000* | $25,000* |
| Re-shoot Cost Coverage | — | $10,000 | $10,000 |
| Business Interruption | — | Included | Included |
| Professional Liability | — | — | $100,000 |
| Cyber Defence Liability | — | — | $25,000 |
* Indicates higher limits available upon request
The package prices above are before the insurance premium tax is applied and are exclusively for PPOC members. There is an additional surcharge of 25% for non-PPOC members. Monthly payments are available.
Photography Insurance: A Guide to Key Wordings & Terms → Click here for more information on what each plan is about!
Silver Wordings Gold Wordings Platnium Wordings PPOC Terms & Conditions
Harvard Western Ventures Inc. is authorized by The General Insurance Council of Saskatchewan and regulated by The Saskatchewan Insurance Act, its Regulations and the General Insurance Council Bylaws.
Questions about Photography Insurance? Learn More ←
Business
The Photography Insurance Coverage and Warranty Guide
