Professional Liability Insurance for Toronto Photographers
A missed shoot or editing mishap can lead to lawsuits. E&O insurance for Toronto photographers protects against creative disputes and client claims.
Errors and omissions insurance for photographers in Toronto
Toronto photographers are under an incredible amount of pressure to deliver quality images and advice that meets or exceeds clients’ expectations. However, if you’re a Toronto photographer, you know there may be circumstances that are beyond your control and that could affect the quality of your work. Under these circumstances, you could face a professional liability lawsuit that could threaten you financially and in terms of your reputation.
Fortunately, EasyCover offers Toronto photographers professional liability insurance (also known as errors and omissions insurance). This unique form of insurance can protect you should a client sue you for alleged financial damages resulting from your professional photographic services or advice. It’s the perfect way for Torontonians to protect their professional reputations as photographers.
Interested in purchasing your professional liability online in minutes?
Acera Insurance offers EasyCover where you can get a quote, bind your policy and pay online in only a few short minutes. Get comprehensive coverage and affordable rates quickly and easily.
Here are some of the benefits of EasyCover:
- Get free online quotes 24/7
- No long, confusing applications to fill out
- Purchase and manage your policy online
- Support by phone, email or chat
- Option to bundle with other coverages
Three reasons Toronto photographers need professional liability insurance
You offer a professional service for a living
Think you don’t need professional liability insurance as a photographer—especially if you’ve already got business coverage? Think again. This policy is often the only one that protects you if a client says your service or advice cost them money. And if you’re running a photography business in Toronto, having that peace of mind is more than worth it.
Mistakes can happen to anyone
No matter how skilled you are as a photographer, mistakes can happen. It is impossible to completely predict when unexpected events or situations may occur next (especially those outside of your control). While there is no doubt your clients have hired you for your abilities, it is also true they can sue you for your errors. 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 errors and omissions insurance, Toronto photographers have the protection needed to cover them from the unexpected.
Lawsuits can financially deplete your business
While you can ask all of your clients to sign a photography contract, stipulating the situations you cannot be held liable for, they may still try to take legal action against you. Regardless of whether or not their allegations are hold up in court, you will need to defend yourself and your reputation. 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? Professional liability insurance offers Toronto photographers a welcome safety net and the essential funds required when faced with unexpected legal battles.
Toronto photographers EasyCover insures
EasyCover by Acera Insurance can offer insurance solutions for the following
types of photographers in Toronto:
- Drone photographers
- Event photographers
- Wedding photographers
- Fashion photographers
- Freelance photographers
- Videographers
EasyCover can insure all types of photographers for businesses that have up to five employees, except for paparazzi.
Examples of
Toronto photographers professional liability insurance
Typical scenarios for claims can include:
Third party fails to deliver
You’re using an independent developer to develop your images after a big photo shoot, but they fail to get the images to you on the agreed upon date. Your client needs to publish the images and are holding you liable for the cost of delaying publication
Wedding photographer accident
On your way to photograph a wedding you’re involved in a car accident and miss the event. The couple had no backup photographer and decide to sue you for damages
Courier loses prints
Following a major photo shoot for a client, you use a courier service to deliver the final prints. The courier fails to deliver the correct prints and the client demands you cover the costs of reprinting the photographs
How much do Toronto photographers pay for professional liability insurance?
Several pieces of information are used when calculating professional liability premiums, so the amount each photographer will pay is differs based on these factors. Rates are determined based on:
- Your area of specialty. The photography industry is diverse, with photographers specializing in specific styles. EasyCover offers professional liability insurance to the many different types of photographers in Toronto from drone photographers to fashion photographers.
- The size of your business. EasyCover offers professional liability insurance to Toronto photographers earning up to $2 million per year. Not only can you build a policy just for yourself, you can also purchase one for a small photography business which employees up to five individuals.
- Your level of coverage. With EasyCover, photographers in Toronto may select from three professional liability limits: $1 million, $2 million and $5 million. It is important to remember, the limit you select is the maximum amount you’ll receive for all approved claims during the 12-month period of your policy.
To learn exactly what you can expect to pay, get your free quote with EasyCover. There’s no need to speak with a broker; just answer a few quick questions online to receive your instant quote.
Other coverages for Toronto photographers
EasyCover specializes in professional liability insurance but also offers other key protections such as commercial general liability and cyber liability. Your business may not require all of these different coverages, but it’s important to evaluate each one against your risks.
Commercial General Liability Insurance
Commercial general liability insurance (also known as CGL) is one of the most highly recommended forms of insurance for businesses. If a third party is hurt or has their property damaged due to your negligence (or an employee’s negligence), this coverage will help cover associated expenses such as legal defence costs.
Accidents happen—especially on busy photo shoots. That’s why photographers in Toronto should have this coverage, in case you or your gear accidentally cause injury or damage. One misstep around a light stand or backdrop could lead to a costly mishap!
Cyber Liability Insurance
Photographers typically rely on various forms of digital equipment, software, and data storage, and often handle clients’ personal information. As a result, their businesses are vulnerable to privacy breaches or cyberattacks.
Cyber liability insurance can help your photography business cover expenses if this happens. This includes extortion payments, legal expenses, digital asset theft, regulatory fines and more.
Why do photographers in Toronto choose EasyCover for their professional liability insurance?
Professional photographers in the GTA choose EasyCover by Acera Insurance because of our convenience and excellent coverage. We are one of the few, fully online providers for E&O insurance. Our team is dedicated to making the process of getting your insurance as effortless as possible. You can count on us to offer quality commercial coverages at affordable rates.
Ready to get a quick photographer liability insurance quote?
Simple answer a few questions to immediately receive a quote, bind your policy and pay online in only a few short minutes.