Professional Liability Insurance for Ottawa Photographers
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People and businesses hire photographers in Ottawa to capture memorable moments in time including weddings and family portraits. You may also be hired to capture corporate images like product photos, events, and more.
These are timeless events, which often cannot be perfectly recaptured. This puts photographers at risk of being sued if they make a professional mistake during a shoot. That’s why EasyCover offers professional liability insurance to photographers in Ottawa. This unique form of coverage can help photographers cover legal defence costs in situations where a client claims to have suffered financially due to negligence or errors in your service.
EasyCover makes it simple for Ottawa photographers to get professional liability insurance. The entire process can be completed online in a matter of minutes; there’s no need to pick up the phone to speak with a broker. You’ll be asked to answer a few quick questions about your business and coverage preferences in order to generate your instant free quote. If you’re happy with your quote, you’ll be able to immediately pay for your policy—and just like that, you’ll be working with peace of mind.
4 reasons why Ottawa photographers should have professional liability insurance
You provide a service for a living
You might wonder if you truly need photographers professional liability insurance, especially if you already have other business coverages. The answer is yes. This is because professional liability insurance is typically the only coverage that provides protection when a client claims the advice or service they received resulted in financial damages. As someone whose livelihood depends on providing photography services in Ottawa, you can see why it is beneficial to have a professional liability policy.
Mistakes are bound to happen
There’s no doubt you are a talented photographer who consistently delivers an outstanding product—that’s why people choose to hire you. Unfortunately, making mistakes is human nature and your clients might sue if these errors cause them financial damages. For example, if you lose images due to a malfunctioning memory card, your client could hold you liable for the cost of a re-shoot. With professional liability insurance, Ottawa photographers won’t be gambling on never making a mistake.
Your contract isn’t enough
You might ask all clients to sign a photography contract, which stipulates the situations you cannot be held liable for. But a client might still choose to pursue legal action if they have suffered financially due to your work. Your contract may not hold up in court, and the document will also not help pay your defence expenses. Professional liability insurance offers Ottawa photographers an additional safety net and necessary funds in the face of unexpected lawsuits.
Lawsuits can financially drain your business
When you factor in lawyer fees, lost wages due to attending court, and a possible settlement or judgement award, it becomes clear how quickly it can add up when defending yourself against claims of professional negligence. Can your business afford this? Without the right protection, an unexpected lawsuit could force you to take out loans, liquidate assets or even declare bankruptcy. Professional liability insurance can help Ottawa photographers cover these legal expenses and stay in business in the wake of a lawsuit.
How much will Ottawa photographers pay for professional liability insurance?
Several factors are considered when calculating professional liability premiums, so the amount you will pay is dependent on your individual situation.
Rates are calculated based on:
Your area of specialty
The photography industry is diverse, with photographers specializing in specific styles. That’s why EasyCover provides professional liability insurance to the following photographers in Ottawa:
- Corporate and event photographers
- Fashion photographers
- Freelance investigative photographers (including photojournalists)
- Portrait photographers (including family, maternity, newborn, boudoir, studio)
- Videographers
- Wedding photographers
The size of your business
EasyCover provides professional liability insurance to photographers in Ottawa who earn up to $2 million per year. You can also choose to have a policy just for yourself or for a small photography business that employees up to five individuals.
Your level of coverage
With EasyCover, photographers in Ottawa can choose from three professional liability limits: $1 million, $2 million and $5 million. Bear in the mind, the limit you select is the maximum amount you’ll receive for all approved claims during the 12-month period of your policy.
Get your free quote quickly with EasyCover. There’s no need to speak with a broker; you just need to answer a couple of brief questions online to receive your instant quote.
Is professional liability insurance mandatory for photographers in Ottawa?
Professional liability insurance is not legally required for Ottawa’s photographers. However, your clients may request you carry this coverage. It’s also a good idea unless you can afford the costs of a lawsuit out of pocket.
Optional Coverage for Photographers in Ottawa
Besides offering professional liability insurance, EasyCover can also provide a few additional protections for Ottawa’s photographers and videographers.
Commercial General Liability Insurance (CGL)
Commercial general liability insurance (CGL) is the most basic form of liability insurance. It offers protection in the event that you or any of your employees accidentally injure a third party or cause damage to their property while carrying out business operations. This includes any injuries or damages that occur on your premises or on a client’s property.
CGL insurance is considered a critical coverage option and if you have professional liability insurance but leave CGL out, you may leave your business vulnerable. We start CGL coverage at $1 million but you can choose higher limits if desired or required.
Keep in mind that this doesn’t cover damage or loss of your own tools, equipment and other property.
Directors and Officers Liability Insurance
Directors and officers can be held personally responsible for their actions while serving on a board of directors if they have acted outside the law or failed to perform their duties properly. Directors and officers liability insurance (D&O) is designed to offer protection for directors and officers, covering legal expenses from claims brought by regulatory bodies, suppliers and vendors, employees, creditors, and customers.
Criminal penalties or offences will not be covered as this type of loss is not insurable by law
Cyber Liability Insurance
Cyber liability insurance is designed to help cover certain costs following an alleged or actual hacking event or privacy breach. EasyCover’s cyber liability coverage includes network security liability and privacy liability. It may help cover the cost of network security and privacy breach costs, business income interruption losses, defence costs, extortion fees, digital asset losses, and regulatory fines.
Every policy has a specified limit, so be sure to familiarize yourself with yours and note any exclusions or separate deductibles.
Protect yourself against the unexpected.
Protect yourself against the unexpected with Professional Liability Insurance for Photographers in Ottawa from EasyCover.
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