Who should be listed as an Applicant? (Named Insured)

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.

Who is the Insurance Company that issues the policies?

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.

Click here to:  view the Financial Strength of Chubb

When does my coverage go into effect?

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.

When & Where is Equipment Covered?

The Photography Gear under this policy is covered under an Inland Marine coverage form. All equipment is full replacement cost coverage for: theft, damage, breakage, fire and loss of use. This includes damage casued 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 limited worldwide territory*.

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

*Coverage Territory: Limited Worldwide –

Equipment: This insurance applies anywhere in the world, except where the insurance carrier (Chubb Canada) is legally prohibited from providing insurance.     

General Liability: coverage does not apply to claims outside of Canada and the United States of America (including its possessions and territories), unless a suit on the merits is brought in Canada or the United States of America

What is the deductible?

The Equipment deductible is $350 per claim. This applies to any one incident, not per item.

What is my equipment covered for?

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

What is covered/not covered under General Liability?

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), Employers Liability (Canadian employees only) and Non-Owned Auto Liability (SPF No.6) equal to limits chosen. The commercial general liability / tenant legal liability coverage would not apply to a personal residence or any activities other than as a photographer.

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

Show what is included in the Automatic Enhancements

Coverage Territory: Limited Worldwide –

  • Equipment: This insurance applies anywhere in the world, except where the insurance carrier (Chubb Canada) is legally prohibited from providing insurance.      
  • General Liability: coverage does not apply to claims outside of Canada and the United States of America (including its possessions and territories), unless a suit on the merits is brought in Canada or the United States of America

 

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 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.

Property used underwater, in the air, or for stunts or pyrotechnics activities

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

Photographers Enhancement Pack: What is covered?

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 reshoot; or additional talent costs incurred by an advertising agency or advertiser.

 

Production Media/Media Peril: $10,000  - This coverage would provide additional costs incurred for a required reshoot 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 per insured loss.

 

How will my Equipment be valued if I have a claim?

Below is a breakdown of how Cameras and  Equipment are valued under the Front Row Photography program:

Replacement Cost -  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.

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

How to make Policy Change once a Policy is purchased?

Once a policy is purchased, policy changes can be made HERE. These changes will be sent to our help desk and processed manually and will then be reflected on your renewal.

 

 

How do I provide proof of insurance ?

Once you have purchased coverage, you can request a certificate insurance by clicking here.   You will be provided with a blank certificate that you can use to to issue certificates to the following parties that are asking to be added as loss payee and/or additional insured:

  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.

 

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.

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

 

How can I issue a certificate of insurance?

Once you have purchased coverage, you can request a certificate insurance by clicking here.   You will be provided with a blank certificate that you can use to to issue certificates to the following parties that are asking to be added as loss payee and/or additional insured:

  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.

 

Does the applicant rent/loan 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.

Do you require a schedule of my Equipment?

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

Can You Explain Coverage Enhancements?

Worldwide Coverage Territory  - Anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the Canada or the United States of America. Coverage applies "anywhere" in the world for suits brought in Canada or the United States.

 

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

 

$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.

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