This page will soon contain a list of common questions and answers about the CPDJA insurance programs. If your question is not answered on this page (page development is still underway), please contact Dave Ternier or Don Wales (combined property and liability program) or Leslie Tunnicliff (liability only program).


Combined Property and Liability Insurance Program
as administered by Erb & Erb Insurance Brokers

Frequently Asked Questions

Can I increase the liability coverage from $2 million to $5 million?

Yes, liability can be increased from the standard $2 million to $5 million upon insurance application. Simply include the request with your insurance application and an updated invoice will be sent to you.

Can specific venues I work at be added to my policy under the commonly referred to term of "Also Insured"?

Yes, they can be listed at the time of policy application or requested at any time after the policy has been issued. There is no extra charge with Erb & Erb Insurance Brokers for this.

Am I required to fully list out the equipment (property) I want covered by my insurance policy?

Yes, a full listing of equipment to be covered by the policy must be sent in with the insurance application. This list should include the make, model, serial number, replacement value, etc. for each piece of equipment. An easy to use sample spreadsheet for this list is available for download in the Member Benefits area (login required).

Are laptops and music libraries covered?

Laptops may be listed for coverage on your equipment list and covered for the replacement value you identify. Music library replacement is not covered. Simply backup your music library through a service like Dropbox or offsite external hard drive to decrease the likelihood of loosing it.

Is my equipment covered at a venue while un-attended (day/overnight)?

Yes, provided there is a reasonable provision of security such as venue staff in/out of the room and doors locked when no venue staff are inside​​.

Is my equipment covered while stored at a secondary address such as a storage locker?

Yes, provided the secondary address has been sent to the insurance broker to be added to the policy.

Is equipment (property) that I routinely rent out covered by my insurance policy?

No, property coverage only extends to the policy holder's use of the equipment. Coverage does not apply when the equipment is being rented out.

Is damage to equipment caused by overland flooding covered?

Yes, but the deductible for this type of claim is very high.

How do I make a claim?

Simply contact our dedicated insurance broker, Don Wales, at Erb & Erb Insurance.