1) No waiver or liability policy will protect you from your own negligence.
2) For best protection and general piece of mind get a basic business owner's policy. I have no idea what it would cost you in Canada but in the US you are looking at an annual cost of around $350 - 400 for excellent umbrella coverage, including liability.
Caveat: I am neither a lawyer nor an insurance expert .... just a photographer who carries such insurance.
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