What is covered by photographers professional liability insurance in Calgary?
If a third party sues you for causing them financial loss as a result of your professional services, professional liability will cover your legal expenses. This includes defence costs, settlements and judgement awards. Keep in mind this only applies up to your policy limit.
We offer three levels of coverage at Easy Cover:
The amount of coverage you need depends on the likelihood and expected cost of a lawsuit.
Our policies can also include retroactive cover, which means you’re covered for claims for previous financial loss outside of the policy period.
As a photographer, you have multiple risks that could result in a lawsuit. You could mismanage and damage files from a shoot, or lose a client’s photographs, leading to a claim. Having photographers’ professional liability insurance in Calgary is the best way to protect your business’s bottom line.
Keep in mind that professional liability insurance doesn’t protect Calgary photographers from any other types of liability claims, including causing injury or property damage. You’ll need commercial general liability coverage for that type of claim. It also doesn’t cover your photography equipment.