Insurance (Ontario)

Toshido

Curious about insurance in Ontario specifically.

I might be taking a serious move from amateur to professional with a steady source of income through photography, WOOHOO. Of course this means insurance, especially since I will be in the middle of a field with random fast moving people with limited control all around me. Which means I am concerned about someone colliding with me and damaging my equipment, or them on my equipment.

I am curious about cost of insurance and details about the available insurance plans?
Such as amount of liability insurance i should be looking at. Does insurance cover replacement costs for the equipment if damaged, stolen?

If insurance could be purchased just for a special event, like a weekend long plan.

And of course anything else that someone that has been through this can offer would be of great benefit.

Art Scott

Toshido wrote:

Curious about insurance in Ontario specifically.

I might be taking a serious move from amateur to professional with a steady source of income through photography, WOOHOO. Of course this means insurance, especially since I will be in the middle of a field with random fast moving people with limited control all around me. Which means I am concerned about someone colliding with me and damaging my equipment, or them on my equipment.

I am curious about cost of insurance and details about the available insurance plans?.....depends on policy


Such as amount of liability insurance i should be looking at. I wouldsay a min of $500k to a few million

Does insurance cover replacement costs for the equipment if damaged, stolen? yes..... depends on policy....

If insurance could be purchased just for a special event, like a weekend long plan. yes...depends on policy....

And of course anything else that someone that has been through this can offer would be of great benefit.

abover in BOLD

every ? you asked has variable answers.....when I was working as a venu manager all the performance companies that rented our venues for their shows had to have a minium of 1 million US dollars in libility insurance and that usually ran a couple hundred for a 3 day performence run........

Snowgirl

Canadian insurance laws and requirements are quite different from the US. I'd suggest you find a reputable insurance broker in your area and let him or her do the leg work for you. Rates vary vastly from company to company.

I'm in the process of doing the same thing here in New Brunswick.

Oh, and $1 million liability is the MINIMUM you should carry - no matter where you are.

Art Scott

I have noticed some ads in the UK and Canadian Photo Mags for insurance for cameras and businesses.....this might be a great place to start........