Professional Liability Insurance for Winnipeg Photographers

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As a photographer in Winnipeg, you capture important events and deal with many different clients. While you always want to get the perfect pictures, sometimes mistakes happen. A lawsuit could be financially devastating to your business – and that’s where professional liability insurance comes in.

EasyCover helps Winnipeg photographers protect their business by offering professional liability insurance and other relevant coverage. It takes less than five minutes to get a quote online! Start now or read on to learn more about this protection.

Professional Liability Insurance for Photographers in Winnipeg

Let’s say you miss a photoshoot due to getting stuck in traffic en route. Or maybe all the photos from a company event are lost due to a spilt coffee and lack of digital backups. In either case, your client could sue you to recoup their money. Can you afford to cover these costs?

If you have professional liability insurance, your legal expenses can be covered if you’re sued for causing a third-party financial loss as a result of your professional service or advice. This includes defence costs, settlements and judgement awards.

We offer three optional limits of coverage for photographers in Winnipeg:

$1,000,000
$2,000,000
$5,000,000

When choosing the amount of professional liability insurance for your photography business in Winnipeg, consider your contractual requirements, the number of clients you have, annual revenue and the likelihood and expected cost of a lawsuit.

Optional Coverages for Photographers in Winnipeg

We can also offer the following business insurance coverages to photographers in Winnipeg: commercial general liability, cyber liability and directors and officers liability.

Commercial General Liability

If a third party gets hurt or has their property damaged due to negligent acts by you or an employee, this covers the related expenses such as legal costs. A common example is someone tripping over your photography equipment and hurting themselves.

Cyber Liability

This covers expenses related to recovering from a cyber-attack or data breach. This can include regulatory fines, legal expenses and other related costs up to your policy limit.

Directors and Officers Liability

This coverage protects your personal assets and helps cover your legal expenses if you’re held personally liable for breaching duties as a director or officer.

How much does professional liability insurance cost for photographers in Winnipeg?

A photographer in Winnipeg might expect to pay at least $440 per year for basic professional liability insurance. Cyber liability is an extra $150 per year and commercial general liability starts at $220 per year.

Your price may vary because it depends on several factors, such as:

Your annual revenue.
The type of photography you do.
If you have any employees.
Where you operate.

Your insurance coverage.

Do Winnipeg photographers really need professional liability insurance?

We recommend photographers in Winnipeg have professional liability insurance for a few reasons:

Lawsuits are expensive. If you can’t afford to cover the costs out of pocket, you need this coverage.
It may be required in a contract, particularly if you have corporate clients.
It looks good to clients that you’re insured.

What type of photographers do you insure in Winnipeg?

We can insure all types of photographers in Winnipeg, including:

Corporate photographers
Event photographers

Fashion photographers
Freelance investigative photographers
Portrait photographers
Videographers
Wedding photographers

Contact us if your photography specialty isn’t listed.

Protect yourself against the unexpected.

Protect yourself against the unexpected with Professional Liability Insurance for Winnipeg Photographers from EasyCover.

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