Approve the Cookies
This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies and our Privacy Policy.
OK
Index  •   • New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
Guest
New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
Register to forums    Log in

 
FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography 
Thread started 16 Aug 2011 (Tuesday) 19:31
Search threadPrev/next
sponsored links
(this ad will go away when you log in as a registered member)

Insurance in Canada

 
ThatJamesGuy
Senior Member
270 posts
Joined Jul 2011
     
Aug 16, 2011 19:31 |  #1
bannedPermanent ban

I've seen and looked into a lot of insurance stuff for photographers, but it seems like all of the speciality plans are in the US only, and when I went to my family's home owners insurance company I was told that I could only get coverage for my gear as long as it's in my home and not being used for anything business related, as that is an entirely different plan. So my question is what do Canadians use for gear insurance? I want an "all peril" plan without a deductible if possible, I know State Farm in the US has something like that.


Body: 1D Mark II
Lenses: 24-70 2.8 L, 70-200 4 L
Flash: 430 EX

  
  LOG IN TO REPLY
sponsored links
(this ad will go away when you log in as a registered member)
Karl ­ Johnston
Cream of the Crop
9,334 posts
Likes: 3
Joined Jul 2008
     
Aug 17, 2011 12:14 |  #2
bannedPermanent ban

I believe I'm through Arctic Insurance, or http://www.hubinternat​ional.com/ (external link)

If photography is your business.. make sure you specifically get a plan that covers you commercially (I assume you would if you're in this forum)


Adventurous Photographer, Writer (external link) & Wedding Photographer (external link)

  
  LOG IN TO REPLY
brit84
Senior Member
Avatar
382 posts
Likes: 1
Joined Nov 2008
Location: BC, Canada
     
Aug 17, 2011 13:11 |  #3

where are you located?
This is something I need to look into as I am in the process of starting a business.
Right now things are covered under my apartment insurance, but I need to re check my photo coverage, and for insurance when Im 'in business'
I use wawwanisa or something like that through a local broker.


5DIII/grip |5DII/grip | 40D/grip | 17-40L| 24-70L 2.8 II|70-200L IS f2.8 II | 580EXII x2 | Lensbaby composer | Benro 358 w/ Q3 | 2 Einsteins/Vagabond mini.
Facebook (external link)
Website (external link)

  
  LOG IN TO REPLY
ThatJamesGuy
THREAD ­ STARTER
Senior Member
270 posts
Joined Jul 2011
     
Aug 17, 2011 13:46 |  #4
bannedPermanent ban

I'm in Saskatchewan


Body: 1D Mark II
Lenses: 24-70 2.8 L, 70-200 4 L
Flash: 430 EX

  
  LOG IN TO REPLY
i_am_cdn
Senior Member
Avatar
258 posts
Gallery: 7 photos
Likes: 10
Joined Dec 2009
Location: Canada
     
Aug 17, 2011 17:34 |  #5

Check out Peace Hills Insurance


Douglas Portz Photography
www.portz.ca (external link)
www.winnipegsportsteam​photos.com (external link)
www.winnipegsportsphot​os.com (external link)
www.winnipegeventphoto​s.com (external link)

  
  LOG IN TO REPLY
1move
Senior Member
330 posts
Likes: 2
Joined Aug 2009
     
Aug 17, 2011 17:38 |  #6

Anything For Alberta? Calgary? What sort of monthly rates are you guys paying?

I found one here and it was about $115 per month, pretty pricey to me


Canon 5D mkIII II 24-70mm f2.8L v. II II 85mm f1.2L vII II 50mm f1.4 II 100mm Macro IS f2.8L II 2 x 580 EXII

  
  LOG IN TO REPLY
Csae
Goldmember
Avatar
3,350 posts
Likes: 1
Joined Nov 2008
Location: Montreal, Canada
     
Aug 18, 2011 00:45 |  #7

I've also had a hard time finding anything, but i'm more Eastern based... Peace Hills seems to be West based only with no brokers in the east.


Feel free to call me Case.
CasePhoto.ca (external link) - FanPage (external link)
-Montreal based Photography.

  
  LOG IN TO REPLY
SMP_Homer
Cream of the Crop
Avatar
5,632 posts
Gallery: 26 photos
Likes: 442
Joined Mar 2008
Location: London, Ontario
     
Aug 18, 2011 09:53 |  #8

business insurance for a photographer is no different than business insurance for any other profession that wishes to insure their tools, equipments, vehicles, etc...
Don't just insure the stuff you have. You also want insurance in case you cause issues (i.e. someone trips on your bag and cracks their head open, etc..)

I also don't recommend skipping the deductible... Figure out what loss you can cover for yourself w/o needing the insurance and use that for your deductible. It sounds counter-intuitive, but you want to use your insurance as little as possible... If someone steals a lens that's within range of the deductible, it's not worth reporting, as you may very well end up with a hike in premiums, and it doesn't take many claims before they terminate you. Save the insurance for big issues (whole kit stolen, lost in fire, etc..) rather than smaller stuff


EOS R / 7D2 / 1D IV (and the wife has a T4i)
Sig35A, Sig50A, Sig85A, Sig14-24A, Sig24-105A, Sig70-200S, Sig150-600C
100-400L, 100L, 300 2.8L, 1.4x II / 2x II
600EX-II X3, 430EX-III X3

  
  LOG IN TO REPLY
Csae
Goldmember
Avatar
3,350 posts
Likes: 1
Joined Nov 2008
Location: Montreal, Canada
     
Aug 18, 2011 10:13 |  #9

Very useful advice Homer, any recommendation as to where to get insured ?


Feel free to call me Case.
CasePhoto.ca (external link) - FanPage (external link)
-Montreal based Photography.

  
  LOG IN TO REPLY
SMP_Homer
Cream of the Crop
Avatar
5,632 posts
Gallery: 26 photos
Likes: 442
Joined Mar 2008
Location: London, Ontario
     
Aug 18, 2011 10:45 |  #10

Csae wrote in post #12957184 (external link)
Very useful advice Homer, any recommendation as to where to get insured ?

If you're already insured for home/auto, give them a call as they may as well offer business!


EOS R / 7D2 / 1D IV (and the wife has a T4i)
Sig35A, Sig50A, Sig85A, Sig14-24A, Sig24-105A, Sig70-200S, Sig150-600C
100-400L, 100L, 300 2.8L, 1.4x II / 2x II
600EX-II X3, 430EX-III X3

  
  LOG IN TO REPLY
digital ­ paradise
How do I change this?
Avatar
14,838 posts
Gallery: 7 photos
Likes: 8136
Joined Oct 2009
     
Aug 18, 2011 11:29 |  #11

I used to be insured with Saskatchewan Mutual and had a rider on my gear. I can only guess it is actually in Saskatchewan.


Image Editing OK

Website (external link) ~ Buy/Sell Feedback

  
  LOG IN TO REPLY
i_am_cdn
Senior Member
Avatar
258 posts
Gallery: 7 photos
Likes: 10
Joined Dec 2009
Location: Canada
     
Aug 18, 2011 11:42 |  #12

I pay $95 a YEAR ($8/month)

2Mill Liability
$50k coverage on equipment, computers
In transit coverage
Acct Rec coverage
Profits coverage
business interrupt coverage
business loss coverage

deductible is $500


Douglas Portz Photography
www.portz.ca (external link)
www.winnipegsportsteam​photos.com (external link)
www.winnipegsportsphot​os.com (external link)
www.winnipegeventphoto​s.com (external link)

  
  LOG IN TO REPLY
1move
Senior Member
330 posts
Likes: 2
Joined Aug 2009
     
Aug 18, 2011 12:13 |  #13

i_am_cdn wrote in post #12957688 (external link)
I pay $95 a YEAR ($8/month)

2Mill Liability
$50k coverage on equipment, computers
In transit coverage
Acct Rec coverage
Profits coverage
business interrupt coverage
business loss coverage

deductible is $500

who are you with, if you dont mind most of us asking :)


Canon 5D mkIII II 24-70mm f2.8L v. II II 85mm f1.2L vII II 50mm f1.4 II 100mm Macro IS f2.8L II 2 x 580 EXII

  
  LOG IN TO REPLY
Csae
Goldmember
Avatar
3,350 posts
Likes: 1
Joined Nov 2008
Location: Montreal, Canada
     
Aug 18, 2011 16:57 |  #14

Unless thats a combo to your house/car/life inssurance that might actually be too low for me to trust.


Feel free to call me Case.
CasePhoto.ca (external link) - FanPage (external link)
-Montreal based Photography.

  
  LOG IN TO REPLY
i_am_cdn
Senior Member
Avatar
258 posts
Gallery: 7 photos
Likes: 10
Joined Dec 2009
Location: Canada
     
Aug 19, 2011 08:32 |  #15

1move,

I am with Peace Hill Insurance.


Douglas Portz Photography
www.portz.ca (external link)
www.winnipegsportsteam​photos.com (external link)
www.winnipegsportsphot​os.com (external link)
www.winnipegeventphoto​s.com (external link)

  
  LOG IN TO REPLY
sponsored links
(this ad will go away when you log in as a registered member)

4,532 views & 0 likes for this thread
Insurance in Canada
FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography 
AAA
x 1600
y 1600

Jump to forum...   •  Rules   •  Index   •  New posts   •  RTAT   •  'Best of'   •  Gallery   •  Gear   •  Reviews   •  Member list   •  Polls   •  Image rules   •  Search   •  Password reset

Not a member yet?
Register to forums
Registered members may log in to forums and access all the features: full search, image upload, follow forums, own gear list and ratings, likes, more forums, private messaging, thread follow, notifications, own gallery, all settings, view hosted photos, own reviews, see more and do more... and all is free. Don't be a stranger - register now and start posting!


COOKIES DISCLAIMER: This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies and to our privacy policy.
Privacy policy and cookie usage info.


POWERED BY AMASS forum software 2.1forum software
version 2.1 /
code and design
by Pekka Saarinen ©
for photography-on-the.net

Latest registered member is heflerbj
899 guests, 309 members online
Simultaneous users record so far is 15144, that happened on Nov 22, 2018

Photography-on-the.net Digital Photography Forums is the website for photographers and all who love great photos, camera and post processing techniques, gear talk, discussion and sharing. Professionals, hobbyists, newbies and those who don't even own a camera -- all are welcome regardless of skill, favourite brand, gear, gender or age. Registering and usage is free.