Commercial General Liability Insurance Policy

[Reimar]

I currently have a rider on my house/car insurance policy that includes my camera equipment (only costs me $160/yr).  My house/car insurer recently called to say that they will not renew my policy unless I can give them evidence of a Commercial General Liability Insurance Policy.  Apparently their department only does residential insurance.

I'm still looking but so far I can get the above policy for a wedding photographer or portrait studio for about $750/yr.  But that's not what I do, and it doesn't cover getting sued by people for the images I take.  A policy for getting sued for the images runs about $1200/yr.  My home/car insurer doesn't seem to care what the policy actually includes.

Any experience with this sort of thing?  Any advice?  I'm in Toronto.

[Ed Endicott]

I'm not sure how it is in Canada, but in the U.S., I use Hill & Usher as my broker for insurance.  The general policy is as you state ~ $750 per year which covers equipment, liability, errors & omissions etc.  Last year I had a rider on the policy that included getting sued for image misuse - I had to cancel that second policy because for me, it was an additional $850 for $2 million in coverage.

 

I compared Hill & Usher to other policies out there (including PPA) and it is the most comprehensive policy you can get.

[Reimar]

Well, it seems I'm not alone.  That's a lot for insurance for a "business" that produces less and less every year.  I wonder how many other stock photographers have such CGLI with or without the rider. 

Not sure why my insurance company caught on now after 10 years.

[spacecadet]

 

 

Not sure why my insurance company caught on now after 10 years.

They found you on the Internet.