At some point a client asks a creator for a certificate of insurance, and it is usually the moment the work stops being small. Knowing what they are asking for prevents losing the job while you find out.
Why the request appears
Larger organisations require suppliers who enter their premises to carry liability coverage, because their own insurer requires it. It is a procurement checkbox rather than a judgement about you, and it is not negotiable at their end.
What general liability covers
Broadly, harm to a third party or their property arising from your activity. Knocking over a display in a client's store, tripping somebody with a cable, damaging a floor with a light stand. It is the policy that gets asked for by name.
Errors and omissions is a different thing
That one covers claims about the work itself rather than physical harm: a client claiming a deliverable caused them loss. It is less commonly demanded of creators but it comes up with agencies and larger accounts.
Equipment coverage is separate again
Home contents policies frequently exclude equipment used commercially, which surprises creators after a theft. If your camera earns money, check whether it is actually covered, because the answer is often no.
The practical version
Get a quote before a client asks rather than after, keep the certificate as a file you can send in a minute, and check whether your home policy covers gear used for work. This is general information and not insurance advice; a broker will answer in one call.
Keep reading
- UGC for Insurance Brands in Canada
- UGC Creators in Ottawa and Gatineau
- UGC Creators in Quebec City
- UGC Creators in Regina
- The complete UGC guide for Canada
Frequently asked questions
Why do clients ask for insurance?
Their own insurer requires it of suppliers.
What does general liability cover?
Harm to third parties or their property.
Is that the same as errors and omissions?
No, that covers claims about the work.
Is my camera covered at home?
Often not, if it is used commercially.
