(Updated August 1, 2023)
It should be obvious that insuring your camera equipment and your business is very important. Some customers and some locations may require that you show proof of insurance (i.e. a certificate of insurance). In some situations you may have to increase your coverage or temporarily add a customer or venue to your policy as an additional insured. Any such additional insurance costs should be billed to the customer.
Here are some Canadian companies that offer photo-related insurance. This is not meant as a recommendation.
Disclosure: I was insured with CG&B Insurance (aka. Unionville Insurance) from about 1985 to 2016. I’ve been insured with Front Row Insurance since 2016.
For annual insurance, I currently pay about $1.22 per $100 of equipment insured, plus $260 for $2M liability insurance, plus other insurance options, plus provincial sales tax. The cost may vary from province to province.
PhotoPac from Arthur J. Gallagher Canada is insurance for photographers and filmmakers. Photographers may recall PhotoPac from Unionville Insurance Brokers (late 1970s to mid-1990s). Then it became PhotoPac from CG&B Group (late 1990s to 2010s). It’s now PhotoPac from Gallagher which is part of an international insurance brokerage. Note that the provided link to stepinsure.com is correct but it doesn’t always work which isn’t reassuring.
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