Why has my premium changed?

Our photographers policies are offered on a program basis that is renewed annually with the insurance company Chubb Canada. During this year’s renewal, Chubb has required revised terms in order to continue offering the program. The increase in premiums is largely due to the high number and cost of claims paid out under this program.

Premiums are collected and kept in reserve in order to pay out claims as they arise. The insurance company must anticipate how much premium they will need to collect in order to have the funds available to pay out losses when they occur. In layman’s terms, they have to make an educated guess. The changes in premiums this year are a reflection of the loss ratio on the photographers program (total losses : total premiums). In order for an insurance program to remain viable, the amount paid out in losses cannot exceed the amount collected in premiums.

Our job as insurance brokers is to make sure that the insurance company does not increase their rates arbitrarily or in excess of what another company might offer for similar coverage. We are still confident that our photographers program has the best rates available in the marketplace, and these rate changes will ensure that we can continue to offer a photographers program for years to come.

 

If you would like to discuss the changes to your renewal premium further, please do not hesitate to contact our office.

Which Insurance Company issues the policy?

The insurance company is Chubb Insurance Company of Canada. Chubb Insurance Company of Canada is a member of the Chubb Group of Insurance Companies. For over 85 years, we have been delivering exceptional property and casualty insurance products to businesses and individuals in Canada.

View the Chubb website.

Where and When is Equipment Covered?

All equipment is full replacement cost coverage for: theft, damage, breakage, fire and loss of use. This includes damage caused by Earthquake and Flood.

The coverage is included while in your studio/office/home for storage, while in transit to and from your shoots, and while being used away from your premises anywhere subject to the territorial limit you select (either Canada/USA only or Limited Worldwide *).

Note that there is no coverage for property while rented, leased or loaned to others.

This policy does not provide coverage for any wear and tear or deterioration of the camera. These items would not be considered insurable under any insurance policy.

Inherent vice and latent defects are also not insurable risks. As these are manufacturing faults, they would need to be covered under a product warranty, not an insurance policy. It is the manufacturer’s responsibility to ensure that all products are in working condition.

Theft from Unattended Vehicle: This Insurance does not apply to loss or damage caused by or resulting from theft from an unattended vehicle owned, operated or leased by you. However, this Theft from Unattended Vehicle exclusion does not apply to loss or damage caused by or resulting from hold-up, or when there is visible evidence of forcible entry to such vehicles. When a claim for Theft from an Unattended Vehicle is eligible for coverage, it would be subject to a $2,500 deductible. 

Coverage Territory: The basic policy provides coverage within Canada and the United States of America only. For additional premium, coverage may be purchased on a Limited Worldwide basis – meaning the insurance applies anywhere in the world, except where the insurance carrier (Chubb Canada) is legally prohibited from providing insurance.  If you have purchased a Limited Worldwide policy, equipment coverage while outside of Canada/USA extends for a maximum of 90 days total during your annual policy term. Out of Country claims (outside Canada/USA) are subject to a $750 deductible.

You can reference this Canadian government website to find a list of current sanctions in place.  Coverage will not apply in any country that has an active sanction listed on this website. 

VIDEOS: How to add an additional insured to your policy

Check out these videos on how to add an additional insured to your policy:

How do I add an additional insured to my policy?

 

What does it mean to add an additional insured to my policy?

Territorial Limits Explained

NOTE: All three options include coverage within Canada/USA.

Canada & USA only: choose this option if you only need coverage within Canada/USA.

Standard Worldwide: choose this option if you will need coverage outside of Canada/USA for less than 90 days during your policy period.

Extended Worldwide: choose this option if you will need coverage outside of Canada/USA for between 90-365 days during your policy period.

Please note, if you will be outside Canada/USA for more than 365 days, you are not eligible for this insurance, regardless of when, during your policy period, you leave Canada. You must principally reside within Canada to be eligible for this insurance. If you plan to move out of country during your policy period, please contact our office to cancel your insurance, as the policy will no longer be valid.

If you plan to travel outside of Canada/USA, you must choose the correct option to cover the number of days you intend to travel. Failure to do so would be considered misrepresenting a material fact, and would be grounds for denying coverage or cancelling your policy. If you do not yet know how long you will be travelling, or your plans change during the year, you can contact our office to add additional days’ coverage to your policy.

Stunts, Underwater Pyrotechnics, or in Air activities Coverage explained.

There is NO coverage under this policy for equipment being used underwater, for pyrotechnic activities or stunts, while attached to an aircraft or watercraft unless declared and approved by underwriting. This includes the use of UAV/Drones.

Rented Equipment Explained

This option provides coverage for direct physical loss or damage to rented photography equipment up to the selected limit, subject to the same terms, conditions, and exclusions as owned equipment. Please note that the Photographer’s Enhancement Pack includes a limit of $15,000 for rented equipment. If you purchase the Photographer’s Enhancement Pack, any limits selected for Rented Equipment will be in addition to the $15,000 included (e.g. $15,000 from Enhancement Pack + $15,000 rented equipment = $30,000 total).

Rent/Loan your equipment to others?

There is NO coverage under this policy for equipment while loaned, rented or leased to others. It is the responsibility of the insured to make sure the third party provides their own insurance for the equipment while in their care, custody and control. We recommend that you always have a rental agreement in place and request a certificate of insurance from the renter/borrower naming you as a loss payee up to the full replacement value of the equipment they are renting or borrowing.

Prior Claims

If you have had any claims paid in the past three years, we will not be able to process your renewal online. Please contact our office to obtain an offline application that we will submit to the insurer for underwriting authorization. You must disclose all prior losses that were indemnified by an insurance company. It is your responsibility to acknowledge these claim payments. Failure to do so would be grounds for denying any coverage. If you purchase or renew online without disclosing your loss history, the Insurer will flat cancel your policy effective inception and you will be required to acknowledge this cancellation on all future insurance applications, which may increase your premium or deny you coverage. If you are cancelled under this program as described, note that Front Row Insurance Brokers Inc. will not provide alternative terms for you.

Photographers Enhancement Pack explained.

Agency and Talent Re-Shoots Costs: $10,000  -  In the event of an insured loss, this coverage would cover additional costs incurred to pay talent required for a re-shoot or additional talent costs incurred by an advertising agency or advertiser.

Rented Equipment: $15,000 – The enhancement pack includes coverage for direct physical loss or damage to rented photography equipment, subject to the same terms, conditions, and exclusions as owned equipment. Note that coverage for rented equipment may be purchased separately on its own, or in addition to the $15,000 included in the enhancement pack. If both the Enhancement Pack and Rented Equipment Coverage are purchased, the limit for rented equipment will be the total of both (e.g. $15,0000 + $15,000 = total $30,000).

Production Media/Media Peril: $10,000  - This coverage would provide additional costs incurred for a required re-shoot due to the direct physical loss, damage, or destruction of raw film or tape stock, exposed film (developed or undeveloped), including other forms of digital drives, image capture, processing and storage.  This also includes loss, damage or destruction to raw film or tape stock, exposed film (developed or undeveloped), recorded video tape, including other forms of digital drives, image capture, processing and storage caused by or resulting from  the use of faulty cameras, video tape recorders, faulty sound equipment, faulty developing and faulty editing equipment.

Seizure or Quarantine: $5,000  -  Covers loss incurred  due to the actual or potential impairment of an insured photo shoot caused by or resulting from the seizure or quarantine of property by order of government or military authority.

 Props/Sets/Wardrobe: $15,000  -  Provides coverage on props, sets, scenery, costumes, wardrobe and similar property against all risks of direct physical loss, damage, or destruction during a photo shoot.

 Impairment of Computer Services: $25,000  -  Electronic Data Recover costs or loss incurred due to the impairment of your shoot resulting from an actual loss to electronic data or a system due to malicious programing.

 

The above coverage would be subject to a $500 Deductible inside Canada/US or $750 outside Canada/US per insured loss, except for Theft from an Unattended Vehicle, which is subject to a $2,500 Deductible. 

I need to add Her Majesty the Queen to my policy as an additional insured. How do I do that?

Her Majesty needs a certificate of insurance, which you can provide her yourself!  One of the documents you receive when you purchase the online photographer's policy is a blank certificate of insurance. It's a form-fillable PDF that you can use to provide proof of insurance and add interested parties (such as Her Majesty) as additional insureds and loss payees to your policy. If you need to add someone to your policy as an additional insured, you just add the name and address of the interested part, as per their insurance requirements, give them a copy, and forward a copy to our office (certificates@frontrowinsurance.com). Instructions for issuing blank certificates will also be emailed to you as part of your package. Please refer to that document for more information.

you can issue certificates to the following types of parties:

  1. Municipalities/Cities for the purpose of granting permits for photography operations.
  2. Lessors of premises Rented/Leased to the Insured for occupancy for photography  operations (except for long term leases).
  3. Equipment rental companies, but only with respect to the maintenance, operation or use of the equipment by the Named Insured.

Under no circumstances should a certificate be issued with respect to a special effects company, pyrotechnics company, stunt coordinators or similar types of organizations involving hazardous activities without prior written approval from our office.

I need a certificate of insurance. How do I get one? (And what the heck is a certificate?)

One of the documents you receive when you purchase the online photographer's policy is a blank certificate of insurance. It's a form-fillable PDF that you can use to provide proof of insurance and add interested parties as additional insureds and loss payees to your policy. If you need to add someone to your policy as an additional insured, you just add the name and address of the interested part, as per their insurance requirements, give them a copy, and forward a copy to our office (certificates@frontrowinsurance.com). Instructions for issuing blank certificates will also be emailed to you as part of your package. Please refer to that document for more information.

A certificate of insurance can do a few things: it can prove to someone that you have insurance. It can add a party to your insurance contract as an “additional insured”, so that your policy will also afford them coverage with respect to your activities. Or it can add them as a “loss payee”, so that if there is a loss covered under your policy that effects them, the policy will pay them directly, rather than you (e.g. you damage equipment rented from a rental house).

you can issue certificates to the following types of parties:

  1. Municipalities/Cities for the purpose of granting permits for photography operations.
  2. Lessors of premises Rented/Leased to the Insured for occupancy for photography  operations (except for long term leases).
  3. Equipment rental companies, but only with respect to the maintenance, operation or use of the equipment by the Named Insured.

Under no circumstances should a certificate be issued with respect to a special effects company, pyrotechnics company, stunt coordinators or similar types of organizations involving hazardous activities without prior written approval from our office.

 

How do I add Cyber Liability to my coverage?

Cyber Liability is covered under its own separate policy, called Hackinsure. It includes coverage for cyber-crime expenses, theft and fraud, business interruption, extortion, ransomware, and more. Hackinsure also gives you access to an incident response team that will guide you through the process of restoring your data, your credit, and your reputation.

Click Here to get a quote or purchase the policy online.

How can I make a change to my policy?

If you have already purchased a policy and you need to make a change, please contact one our offices. Currently you are not able to make changes to your policy online. We would be happy to assist you quickly with changes needed over the phone or by email. A $25 fee will apply to changes that result in additional premium. 

Please note that once coverage is purchased, the full premium is fully earned and non refundable.

 

Equipment valuation, how will my equipment be valued if I have a claim?

Cameras and  Equipment are valued on a Replacement Cost basis -  this is the cost to replace the property/equipment with the same or other similar property of comparable material and quality used for the same purpose without deduction for depreciation.

Because replacement costs can vary, we recommend that you round up the value you choose for your equipment limit (e.g. if you estimate the replacement cost of all your gear as $12,756 CAD, select $13,000 as your equipment limit).

Please note that mid-term changes to your policy limits are subject to a $25 change fee. If you know that you will be acquiring new equipment during your policy term, you may wish to include the value of this equipment in your limit total. Generally, the equipment limit represents the maximum amount that the insurance company will pay for any one claim. It limits the amount that you could receive from a paid claim. It should be adequate to cover the replacement costs of every item insured under the policy.  

If you have any questions regarding how your equipment  will be valued, please contact our office.

Equipment Schedule requirements.

We do not require a schedule of equipment to be on file to bind coverage under the program. It would be the insured's responsibility to maintain proof of ownership for your records. In the event of a claim, the claims adjuster would require the proof of ownership.

Some recommendations for keeping a schedule would be:

  • Keep a log of your items, including the model, model, serial number
  • and replacement value
  • Have photos of your items saved online including serial numbers
  • Keep copies of any receipts, boxes and manuals

Equipment Coverage Explained

All equipment is full replacement cost coverage for: theft, damage, breakage, fire and loss of use. This includes damage caused by Earthquake and Flood.

The coverage is included while in your studio/office/home for storage, while in transit to and from your shoots, and while being used away from your premises anywhere subject to the territorial limit you select (either Canada/USA only or Limited Worldwide *).

Note that there is no coverage for property while rented, leased or loaned to others.

This policy does not provide coverage for any wear and tear or deterioration of the camera. These items would not be considered insurable under any insurance policy.

Inherent vice and latent defects are also not insurable risks. As these are manufacturing faults, they would need to be covered under a product warranty, not an insurance policy. It is the manufacturer’s responsibility to ensure that all products are in working condition.

Theft from Unattended Vehicle: This Insurance does not apply to loss or damage caused by or resulting from theft from an unattended vehicle owned, operated or leased by you. However, this Theft from Unattended Vehicle exclusion does not apply to loss or damage caused by or resulting from hold-up, or when there is visible evidence of forcible entry to such vehicles. When a claim for Theft from an Unattended Vehicle is eligible for coverage, it would be subject to a $2500 deductible. 

Coverage Territory: The basic policy provides coverage within Canada and the United States of America only. For additional premium, coverage may be purchased on a Limited Worldwide basis – meaning the insurance applies anywhere in the world, except where the insurance carrier (Chubb Canada) is legally prohibited from providing insurance.  If you have purchased a Limited Worldwide policy, equipment coverage while outside of Canada/USA extends for a maximum of 90 days total during your annual policy term. Out of Country claims (outside Canada/USA) are subject to a $750 deductible.

You can reference this Canadian government website to find a list of current sanctions in place. Coverage will not apply in any country that has an active sanction listed on this website. 

Cellular Phones:  Please note, cellular phones are not covered under this policy, either as equipment or office equipment, regardless of whether they are used as part of your photography practice. Coverage for your cellular phone may be available through other insurance or product warranties.

Effective Date of Coverage Explained.

If you choose to purchase your policy on the same day you want the policy to go into effect, the policy begins at the time your confirmation email is received with the policy documents.  

If you purchase a policy for a future date, the policy will begin at 12:01am on the date chosen.

Please note that the policy cannot be backdated.

Deductibles, what are they?

Equipment deductible: $350 per occurrence

Photographer’s Enhancement Pack deductible: $500 per occurrence

Theft from an Unattended Vehicle deductible: $2,500 per occurrence

Outside Canada and United States of America (“Out of Country”) deductible: $750

General Liability deductible: $500 per occurrence

The deductible applies to any one incident, not per item. Only one deductible, whichever is highest, would apply per claim.

A deductible is the amount of a covered loss that you are responsible for covering before the policy will respond.

Example: you drop your camera, but it only costs $200 to fix. Although it is the kind of damage that would be covered under the policy, you are responsible for the first $350 of the loss. In this case, the insurer would not have any responsibility to pay the claim, because the expense was not be more than $350. If it cost $500 to repair, you would be responsible for paying the first $350 of the repairs, and the insurer would cover the extra $150.

Coverage Enhancements explained.

Your policy automatically includes the following coverage, at no additional cost.

$10,000 Office Contents Coverage - Office furniture, fixtures, photocopiers, office supplies, desktop computers (excluding laptops), monitors, valuable papers, including tenant improvements done to the office space. This would be for a home office/studio or small rented office/studio space. Please contact us if higher limits are needed. 

$10,000 Office Contents - Additional Expenses - Covers additional expenses incurred due to a covered loss on office contents, such as the rental of temporary equipment.

$5,000 Laptops Coverage

$10,000 Newly Acquired Equipment (up to 30-days) - Automatic coverage for equipment that is newly purchased or acquired automatically, even if those items have not yet been added to the policy.

$7,500 Library Stock (Portfolio) - Covers costs to replace a portfolio due to theft or destruction.

$15,000 Money & Securities - Covers against loss by theft or destruction of money and securities inside your premises.

Commercial General Liability explained.

This coverage is designed to protect against claims of bodily injury or property damage to third parties caused by your operations as a photographer. It includes the cost of a lawyer to defend you.

The commercial general liability also includes coverage for tenant legal liability (coverage for your professionally used rented premises) equal to limits chosen, and Employers Liability (Canadian employees only) and Non-Owned Auto Liability (SPF No.6) up to a maximum of $1,000,000. The commercial general liability / tenant legal liability coverage would not apply to a personal residence or any activities other than as a photographer. The maximum payable for third-party property damage would be $2,000,000 or the limit chosen, whichever is lower.

This policy includes the following exclusions: Stunts, Pyrotechnics; Abuse Exclusion, Field of Entertainment Exclusion.

The above coverage would be subject to a $500 Deductible per insured loss, or a $750 deductible for Out of Country claims (outside Canada/USA).

Changes to my policy, how can I make them?

Once a policy is purchased, policy changes can be made HERE, or by contacting our office. Please note, a $25 fee will apply to changes that result in additional premium owing. 

 

 

Cellular phones, are they covered?

Please note, cellular phones are not covered under this policy, either as equipment or office equipment, regardless of whether they are used as part of your photography practice. Coverage for your cellular phone may be available through other insurance or product warranties

Automatic Enhancement Coverages explained.

Your policy automatically includes the following coverage, at no additional cost.

Earthquake & Flood -  included up the full Equipment limit purchased.

$10,000 Office Contents Coverage - Office furniture, fixtures, photocopiers, office supplies, including tenant improvements done to the office space. This would be for a home office/studio or small rented office/studio space. Please contact us if higher limits are needed.

$10,000 Office Contents - Additional Expenses - Covers additional expenses incurred due to a covered loss on office contents, such as the rental of temporary equipment.

$5,000 Laptops Coverage

$10,000 Newly Acquired Equipment (up to 30-days) - Automatic coverage for equipment that is newly purchased or acquired automatically, even if those items have not yet been added to the policy.

$7,500 Library Stock (Portfolio) - Covers costs to recreate a lost portfolio of existing materials from a duplicate source.

$15,000 Money & Securities - Covers against loss by theft, or destruction of money and securities inside your premises.

Are you located outside of Canada?

We cannot currently provide insurance through this system for individuals or companies outside of Canada.

For assistance in the USA, please contact our office in Los Angeles: 424  329  2480

doug@frontrowinsurance.com

Applicant (Named Insured), who should be listed?

Please note that the person who is listed as the applicant will become the Named Insured on the policy.

The Named Insured has special rights and duties. These rights and duties are explained in General Rules of the policy wording.

 

Individual - If you are applying as an individual, please list your full legal name in the Applicant’s name box.

Partnership or Joint Venture - If you are applying as a Partnership or Joint Venture please list you and partners or co-venturers full legal names.

Trade Name/Unincorporated Company  - If you are applying as a company that is not incorporated please list your full legal name and your unincorporated company name by including the acronym dba (doing business as).  An example of how to correctly list your name in this scenario is below:

Jane Doe dba ABC Production  Company

Corporation - If you are applying as a Corporation, please list the full legal name of your corporation including the company’s designation (i.e. Inc. Ltd, Corp.)

 

Please note that if you need to list vendors (i.e. Rental Houses) or locations as an additional insured or loss payee, they should not be listed as the applicant/Named Insured. When you purchase the policy, you will be supplied with a blank certificate of insurance. This certificate will allow you to add loss payees and additional insureds to your policy as needed per the terms and conditions of the policy.