All equipment is full replacement/ repair cost coverage for: theft, damage, breakage, and fire. 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 purchase a Standard Worldwide policy you will have coverage outside of Canada/USA for less than 90 days during your policy period. If you purchase an Extended Worldwide Policy you will have coverage outside of Canada/USA between 90 days and less than 360 days during your policy period.  Out of Country claims (outside Canada/USA) are subject to a $750 deductible.
Coverage does not extend to any country that has an active sanction imposed by the US or Canadian government. You can reference this Canadian government website to find a list of current sanctions in place. Please visit a US government approved website for more details on countries with active trade sanctions.
Cellular Phones: 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.