Why You Need Photography Insurance
Canadians absolutely love beautiful things. The country itself is full of gorgeous scenes. Sometimes, they want to capture those moments for their entire lives. This is why they’re going to hire photographers. They want their favorite moments to last a lifetime. As a Canadian photographer, this is definitely a good thing for you. Just remember that the world isn’t perfect. Photographers probably do not understand the immense risks that they face each day. You need to be aware of these risks and you need to find ways to shield yourself from them. Thankfully, photographer insurance is there to help.
You undoubtedly want to capture Canada’s most gorgeous things and those remarkable events. Just make sure that you do it cautiously so you can avoid potential heartbreak in the future. Below, you’ll learn more about photography insurance and how it can help you.
What Is It?
First and foremost, you should learn a little bit more about photography business insurance. While it might be referred to as photography insurance, it is really nothing more than a commercial general liability insurance policy. This type of policy is going to offer protection for your camera, computer and lenses. At the same time, it is going to provide you with liability insurance. After all, you just never know when something is going to go wrong. And, you cannot make all of your clients happy every time. This combination is really a must for any Canadian photographer.
Why Is It Important?
Now, you should learn a little more about the importance of photography insurance. Why do you need it? Well, you should just take a look at your equipment. You probably paid thousands for all of your equipment. It was downright expensive and attempting to replace those items would be very tough. This is definitely the case if you haven’t saved a lot of money over the years. The insurance is definitely going to help. As mentioned above, the insurance will cover your equipment. If your camera is stolen, damaged or lost, the insurance will enter the picture and cover the costs.
It is also vital to understand that your insurance is going to protect you from professional liability issues. This is essential when you’re photographing live events, such as weddings. You only have one chance to make sure that everything is perfect. Your clients are going to be outraged if all of your pictures come out blurry and horrible. You can guarantee that you’re going to be sued. This is why you need to get photography insurance. It’ll protect you from such problems and give you extra peace of mind.
Other Things To Note
So, you’re still not convinced that you need photography insurance. Well, you’re playing a risky game and it might come back to haunt you pretty soon. Do you have a studio? If so, you need to realize that you own more equipment. At the same time, your studio could burn down. You just never know what is going to happen in the future. That is why you need to protect your equipment and your studio. Photography insurance can definitely help. You also need insurance if you have very expensive equipment. Do you work as a full-time photographer? Do you earn most of your money from your photography business?
If the answer is yes, you need insurance! Do not hesitate to get it. If you do not, you’re probably going to regret it pretty soon.
What Is Covered?
In most cases, photography business insurance is going to be bundled with liability and business policies. The insurance will be structured to ensure that it is going to cover all of the risks that your business is going to face. Photography insurance can cover a lot. Some of the most notable protections it will provide will be explored in more depth below.
- Property Damage – First and foremost, you should know that photography insurance is going to protect in the event of property damage. It will offer protection in the event that your studio is destroyed by a fire. It will also protect your photography equipment.
- Lawsuits – If your clients are unhappy, you might be sued. This is why you’ll want to get insurance today. It is going to protect you from potential lawsuits. It’ll cover the settlement and other court costs.
- Theft – You never know who you can trust. Your equipment may very well be stolen at some point in the future. If that happens, you’re going to be out of work and out of luck. With insurance, you can get the money that you need to rebuy the equipment.
- Injuries – Finally, you should know that photography insurance is going to protect you from injuries that happen in your studio. If your light is knocked over and it smashes into the client, your insurance will cover the costs!
As a Canadian photographer, it is a good idea to obtain a sufficient amount of insurance. LiabilityCover offers photography insurance. Be sure to get in touch with us today! Don’t take the risk of working without insurance.
We Recommend Quote Comparisons
We believe our prices are fair. In fact, we try to keep our prices low so we can stay competitive and ensure all business owners have access to affordable insurance. We recommend for all photographers and other business owners to conduct a quote comparison from several Ontario insurance brokers. We offer free quotes over the phone or via email per request. These quotes are available to everyone without obligation. If you need help with your quote comparison, please feel free to contact our office. An agent will work with you to compare policies and quotes from some of our top competitors.
Contact Us Today!
LiabilityCover is a locally owned insurance company in Ontario. The company employs agents who are experienced and very knowledgeable of the current tax codes. Photographers can rely on these experts for all of their insurance needs. Whether you work from home or in a commercial building, you will need insurance to protect you from the many risk exposures that you face on a daily basis. Contact us today for a free quote.