Photography Insurance: Protect Your Business with Specialized Coverage
Safeguard your photography business with comprehensive insurance designed specifically for photographers all over Canada (excluding Quebec). Our policies offer protection for your business, giving you peace of mind to focus on capturing perfect moments.
What Does Photography Insurance Cover?
Your photography insurance policy typically protects against:
Looking for Insurance that Protects your Passion?
This video is for photographers in Canada, from beginners to pros, who want to make sure their camera gear, business, and even their reputation are covered.
In this video, you’ll learn about:
- Coverage for camera equipment, laptops, and more.
- Worldwide coverage for wherever your work takes you.
- Customizable packages that fit your needs and budget.
PPOC Member Exclusive Benefits
As proud partners of the Professional Photographers of Canada (PPOC), we’re excited to offer PPOC members:
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- ✓ 25% Discount on photography insurance premiums
- ✓ Access to exclusive health and dental plans ←
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Coverage Comparison Table
| Coverage Feature | Silver Package: | Gold Package: | Platinum Package: |
|---|---|---|---|
| Equipment Coverage | $10,000 | $10,000* | $25,000* |
| 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 | — | $25,000* | $25,000* |
| Re-shoot Cost Coverage | — | $10,000 | $10,000 |
| Business Interruption | — | Included | Included |
| Professional Liability | — | — | $100,000 |
| Cyber Defence | — | — | $25,000 |
* Indicates higher limits available upon request
Important Notice
The package prices above are before the insurance premium tax is applied. There is an additional surcharge of 25% for non-PPOC members. Monthly payments are available.
Frequently Asked Questions
Do I need insurance if I’m only a part-time photographer?
Yes, even part-time photographers face significant risks. If you’re earning income from photography, whether it’s occasional wedding shoots, portrait sessions, or selling prints, you need appropriate insurance coverage. Your homeowner’s or renter’s insurance typically won’t cover business-related claims or professional equipment used for commercial purposes.
Does my photography insurance cover equipment rented for specific shoots?
It depends on your specific policy. Our photography insurance policies include coverage for rented equipment, while others may require an additional rider or endorsement. Always check with your insurance broker before renting expensive equipment to ensure appropriate coverage, as rental companies may hold you responsible for damages regardless of cause.
What happens if a client is dissatisfied with my work?
If a client is dissatisfied with your photography services and decides to sue for breach of contract or failure to deliver as promised, professional liability insurance (also known as errors and omissions insurance) can help cover legal defence costs and potential settlements.
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 ←
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