Professional Liability Insurance for Photographers

Basic Insurance Needs

Photographers in Ontario are really fortunate. They’re able to find plenty of work. Plus, they’re able to photograph some of the most amazing sights in the world. There is a good chance that you absolutely love you career. However, you also need to be aware that life is not perfect. There is a pretty good possibility that you’re going to run into serious problems at some point in the near future. Professional liability insurance for photographer is really a necessity, since life is so unpredictable. Speak with a photographers professional liability insurance broker to find out what type of insurance you need.

Depending on your practice, there is also a possibility that you may need to obtain a sufficient amount of commercial general liability insurance for photographers. Both insurance policies are going to go above and beyond to protect you from potential lawsuits. Just imagine if you make a serious mistake and you photograph someone against their permission. There going to be angry and they’re going to sue you. This is why you should not hesitate to acquire an appropriate photographers professional insurance policy for your business. A photographer PLI insurance company will be more than happy to help you get the coverage that you need.

We recommend have a minimum of :

  • $1,000,000 per claim and $2,000,000 aggregate PLI coverage
  • CGL coverage of $1,000,000 per claim and $2,000,000 aggregate if your business demands it.

Rates starting at $40/month!

Professional Liability Insurance for Photographers
Other coverage options

PLI and CGL insurance will help. Nevertheless, you need to understand that photographers errors and omissions insurance coverage is only going to help so much. You’re also going to need additional coverage to ensure that your business is protected from start to finish. Below, you’ll learn more about the add-ons that you’ll want to add to your insurance policy.

Commercial Vehicle Insurance

When you speak with a photographers E&O insurance provider, there is a good chance that they’re going to tell you that commercial vehicle insurance is a must. After all, you cannot photograph everything from your office. You may want to venture out to the mountainside. Be sure to get a commercial vehicle insurance policy to protect you in the event of a motor vehicle accident.

Commercial Vehicle Insurance Recommended Limits – $200,000 per claim / $1,500,000 aggregate

Commercial General Liability Insurance

Like many other type of professionals that require insurance in Ontario, Canada, photographers are no different. You also need to get a sufficient amount of CGL insurance. This insurance is going to be very beneficial for protecting your business. It will ensure that you’re able to defend yourself in the event that someone gets injured at your office. It will also protect you from personal injury and damages elsewhere.

Commercial General Liability Insurance Recommended Limits – $1,000,000 per claim / $2,000,000 aggregate

Cyber Insurance

There is a good chance that you’re going to be storing your clients’ private pictures online. If this is the case, you need to understand that someone could easily hack your system and steal those pictures. This would be an invasion of privacy and it could severely impact your business. Getting cyber insurance will be able to protect you to some degree.

Cyber Insurance Recommended Limits – $100,000 per claim / $1,000,000 aggregate

professional indemnity insurance for photographer
Analyzing The Potential Costs

You need to understand that photographers PLI insurance prices can depend on many factors. You also must understand that the prices are going to deviate significantly from one business to another. Not everyone is going to pay the same amount. To ensure that you’re able to get the right price, you may need to contact a photographers professional liability insurance agent directly. They’ll be able to help you get a very accurate quote for the insurance that you need.

  • Cyber Insurance – $15 a month
  • CGL Insurance – $30 a month
  • Commercial Vehicle Insurance – $50 a month
  • Professional Liability Insurance – $40 a month

At the end of the day, you need to understand that the photographers professional insurance prices are going to change. The size of your business, your credit score and your location can make a huge difference. This is why we recommend getting in touch with us directly. You can easily and conveniently use the form on our website to obtain a quote within a short period of time. You may also contact our local offices directly via phone or emails.

We’ll make sure that you get the answers that you’re looking for. When you’re ready to get covered, you should definitely get in touch with us!

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FAQ before purchasing photographers professional liability insurance

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Other professions we also provide insurance for:

Academic Testing Centers
Accident Investigation
Accident Prevention Consultants
Adoption Agencies
Advertising Agencies
Advertising Agents & Services
Aerial Mappers
Alarm Monitoring Services
Allied Health Professionals
Alternative Dispute Resolution Firms
Alternative Energy
Answering Services
Arbitrators & Mediators
Arborists / Tree Surgeons
Architects & Engineers
Architectural technicians and technologists
Auctioneers, Auction Houses
Blueprint & Photocopy
Boat Registrars
Building Designers(Bill 124)
Business Brokers/Managers
Business Consultant
Business Enterprise Agencies
Business Training Courses
Cabling Designers
Camera & Photo Supply Stores
Careers Advisory Service
Catering Consultancy
Cereal Growing Advisors
Chambers of Commerce & Trade
Civil engineers
Claims Adjusters & Administrators
Collection Agencies
Commercial Printer
Communication Consultants
Company Formation
Company Search Agency
Conference & Event Management
Conference Facilities & Services
Conservation Consultants
Conservation Organizations
Consumer Organisations
Contest Managers
Contractors Accountants
Convention Planners
Counselling & Advice Services
Court Reporters
Credit Reference Services/Bureaus
Custom House Broker
Customs & Forwarding Agents
Data Processing Services
Database Managers
Day Spas
Decorators – Interior
Dental Laboratories
Dietitians (Consulting)
Directors and Officers
Documentary creators
Employment Agencies
Employment Agencies/Recruiters
Employment Placement Agencies
Energy Audits & Assessments
Environmental Engineers
Event Planners
Excess & Umbrella Liability
Fitness Clubs
Foreign Legal Consultants
Holistic Professional
Home inspectors insurance
Immigration Consultants
Independent Contractor
Industrial Designers
Information Technology
Interior Designers
IT Contractor
IT Specialist/Technician/Programmer
Lawyer’s Excess Professional Liability
Long Term Care
Management Consultants
Medical Clinics
Medical Devices
Medical Professionals (Malpractice Insurance)
Medical Related
Medical Student Malpractice Insurance
Mortgage Brokers
Multimedia designers
New Media
Occupational Health and Safety Consultants
Placement Agencies
Private Investigators
Process Servers
Product Designers
Professional Entertainers
Professional Organizer
Professionals Liability
Project Managers
Property Managers
Publishers and Printers
Quality Control Consultants
Recruitment and Employment Agency
Recruitment Consultants
Research & Development
Roofing Consultants
Safety Engineers
Service Organizations
Solar & Wind Farm Engineers & Consultants
Spa Package
Structural Engineers
Tax Prepares
Technology Companies
Therapist Professionals
Town / Urban Planners
Training Providers/Trainers
Translators etc.
Travel Agencies
Travel Agents
Travel Agents, Tour operators
Web Designers
Web-Site Designers
Workplace Engineers & Consultants