June 15th, 2016
Heather in Canada wants to know:
My friend has a Real Estate Photography business in Canada and we are looking at partnering up to provide additional services such as home measurement and floorplans. The realtors she has spoken with, want the service but also want her to be insured for it. Some of her competitors here, do advertise that they’re fully insured. She has been having difficulty finding information on errors and omissions insurance through her insurance broker. I’ve heard that it can be difficult to obtain it without a professional designation, is this true? Do you know of any insurance companies in Canada that would offer this to a photographer? How much should we be covered for?
Hopefully, there are some Canadian readers that can help out Heather with her question. We’ve talked about this subject before but not specifically in relation to Canada. Here are some general suggestions:
- When I google “errors and omissions insurance Canada” I get a lot of options. Have you tried any of these?
- In the US the Professional Photographers Association is a popular option for getting good prices on insurance. You could check out ppoc.ca (Professional Photographers of Canada) for similar benefits. This would also take care of the professional designation issue.
- Most real estate photographers spend from $500 to $1200/year USD for insurance. That gives around $1M liability coverage and around $10,000 coverage for equipment. Errors and omissions insurance is usually separate.
Can anyone in Canada suggest a good insurance broker for Heather?