Safeguarding Your Students Part 2

Posted by Lynne Godfroy on Aug 15, 2018 5:42:55 PM

 

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Safeguarding your Students and Protecting Your Organization (Part 2)

Filming and Photographing Children at Your School

Your school will be filled with joyous events that mark the achievements of your teachers and their students. Of course everyone will want to commemorate these milestones and there is often only a split second between the taking of a wonderful photo or performance video and the posting of that same pic to the internet. It will often include class members. An arts educator or studio owner should stop and think about this. No one wants a picture of their child floating around the internet, so how can you help your students and their families share their joy while safeguarding your students’ privacy?

Developing a broad-based policy around safeguarding your students, see Part 1, will help you to add a section on filming and photographing students that is consistent with your operating principles. Make sure your parents and staff sign an agreement that includes a commitment not to identify students by name in any photo and have a signed consent form by the parents on file in case professional photographers are brought in. Naturally the photographers should sign an agreement also and should never be left alone with the students.  For promotional purposes on a website, for example, it might be best to use commercial stock photos.

If images remain in your possession, store hard copies in a locked drawer and electronic copies in a protected folder with restricted access.  Do not store them on unencrypted devices, like a mobile phone or laptop. If you issue photo ID cards, make sure you comply with any data protection legislation.

Small mistakes can have big repercussions, so once you have your policy and practice in place and have explained everything to your instructors, staff, parents and students, make sure your Protégé insurance policy is in effect to safeguard you and your business against an allegation of improper behavior. Your students are precious and so is your studio.

Tags: music school insurance, fine art school insurance, art school insurance, film school insurance, dance school insurance, painting school insurance

3 Steps to Start a Dance Studio

Posted by Lynne Godfroy on Aug 15, 2018 5:38:55 PM

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3 Business Tips on How to Start a Dance Studio

So you’ve danced all your life and the time has come to share your passion and insight.  The path for many is to open a dance studio, but how does one turn that passion into a successful business?

Step 1 -  Should be to find out about your prospective clients.  The web is full of links for parents looking for the best dance school for their kids. Read up on what is important to them. A quick search will reveal they often want a variety of dance styles and teachers to match their child’s interests and needs. They want a timetable that is convenient for their busy lives and qualified teachers that can provide a high level of instruction. If you can provide all that, think about whether or not you will you be able to hire instructors that can build levels of expertise, creating a core group of returning students each term. Consider focusing on small children that will grow with you.

Step 2 - Defines your ability to pay yourself. Get advice on how to structure a business plan. That will help you sort out your expenses and determine if renting a studio makes sense at first. Identify your renovation costs and your fixed costs like utilities, rent, and specialty dance insurance coverage, like Protégé, that will protect you and your business from claims of injury, abuse, or property damage. It’s a small cost, but can make the world of difference for a small business owner who has been threatened by a suit and wouldn’t ordinarily have the means to defend. 

Step 3 - Reminds you to invest in yourself. You are the best representative for your own studio, so don’t get so bogged down in administration that you forget your passion. Keep dancing! And don’t be afraid to ask for advice.  The Facebook group, Dance Coaches & Teachers Unite, has several thousand members who trade tips and conversations about dance, as do the members of The Dance Teachers Network, also on Facebook.

Let’s keep dance alive!

 

 

Tags: music school insurance, fine art school insurance, art school insurance, film school insurance, dance school insurance, painting school insurance

Safeguarding Your Students With Art School Insurance

Posted by Lynne Godfroy on Aug 15, 2018 5:37:27 PM

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Safeguarding your Students and Protecting Your Art School (Part 1)

The priority for all schools and teachers must be the safety of the students that are entrusted to their care. A lot of research has been done over the last few years as to how we can all practice a higher standard of responsibility in that regard and as a consequence, school administrators and owners are expected to demonstrate a ‘duty of care’.  One recommendation is to establish a safeguarding policy for your school. Not only will this demonstrate your commitment to the well-being of your students, but should there be an insurance claim it could be helpful to show you have a set of standards and procedures acknowledged by all staff.

Before you begin to draft your policy, consider the following questions because the answers will help shape the final document: What are the potential risks to the children? Who may pose that risk and what situations might increase the risk? How will you check the backgrounds of your volunteers and staff? How will you respond to allegations of concern or harm?

When you start to write your policy, name your organization and then state the purpose and aim of the policy. Provide a link to the law that supports the policy and explain how the policy relates to the business’s procedures around taking photographs or videos, internet use, recruitment, etc.  Include an equality statement that commits to anti-discriminatory practice and clarify the scope of the policy – will it apply only to staff and volunteers who have contact with the children, or other people, like a janitor? Finally, identify review dates, so the policy can be updated at regular intervals.

Once this has been done, make sure you have specialty art school insurance for arts educators in place, like the Protégé Program, offered by Front Row Insurance Brokers. Front Row is the premier brokerage in Canada for coverage in the performing arts and supports a number of national and provincial organizations like PACT and Dance Ontario. Protégé comes out of their realization that insurance expertise should be available for small studio owners as well as the large organizations. They know their stuff and provide coverage through a quick online service at very little cost.

Tags: music school insurance, fine art school insurance, art school insurance, film school insurance, dance school insurance, painting school insurance

Arts Education School Insurance

Posted by Lynne Godfroy on Aug 15, 2018 5:29:42 PM

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Safeguarding your students and protecting your arts education school with Protege

Opening a studio or educational facility is a way to express your creative interests while experiencing the joy of mentoring.  It demands passion, skill and commitment, and involves a serious investment of time and money.  Like all small business owners, you need to guard that investment with insurance that protects your reputation as well as your studio. This can make a major contribution to your success, so clearly you need a policy that is designed to protect you, your property, your students and your teachers. The Protégé Program, offered by Front Row Insurance – the largest arts and entertainment insurance brokerage in the country – does exactly that.

Protégé is broken into five key areas which work together to protect the business you created.

Abuse Liability: While you do your best to hire the most qualified staff, teachers, and coaches, you cannot account for every misstep.  Abuse Liability manages allegations that may be levelled against you or your business, as well as providing risk-specific coverage that pays for criminal and civil legal defense costs, as well as the medical, rehabilitation and counselling costs for individuals affected by an incident of abuse. 

Bodily Injury & Property Damage Liability: This provides help to defend against claims triggered specifically by injury or property damage to a performance venue or leased studio. Protégé protects your art school’s corporation, teachers, employees, and volunteers for claims brought against them as well. 

Educators’ Errors and Omissions:  E&O provides extra coverage for allegations caused by a student’s dissatisfaction with your curriculum, a dismissal, or failure to educate.

Studio Property: Of course your studio needs property coverage too, and perhaps you need coverage for touring and competitions.  That’s what Studio Property coverage is all about.

Business Continuity: If something unexpected happens, you need to ensure your bottom-line is protected. You’ll need money for fixed expenses, loss of future  tuition fees, and extra costs incurred if your property is damaged.

Overall, Protégé works to protect you, your students, your teachers and your school.  It’s demonstrable proof that you take your business and the relationships you depend upon, seriously.

Tags: music school insurance, fine art school insurance, art school insurance, film school insurance, dance school insurance, painting school insurance

New Mandatory Data Breach Law: Get Protected with Cyber Insurance

Posted by Lynne Godfroy on Aug 15, 2018 4:39:11 PM

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What does the new federal mandatory data breach notification law mean for your small business?

The new law, The Digital Privacy Act, went into effect on Nov 1, 2018, and applies to all businesses that hold identifying information of employees, customers, members, or vendors. In the case of a breach, business owners are required to notify the affected individuals as well as the Office of the Privacy Commissioner of Canada. It’s easy to think that these risks and responsibilities only apply to large businesses, but in fact ‘personal information’ can include something as small as an email address as well as credit card details. As the skills of hackers have grown, it’s become an important part of business management to understand and mitigate the risks in the digital world, no matter the size of the company.

Research shows that roughly 30% of small businesses have been targeted by hackers because their online security is often not as robust as that of a large corporation.  Apart from reputational damage, which can ruin small businesses, there can be significant costs associated with fixing the breach after legal bills are paid, IT professionals hired, and staff time accounted for as they divert from their normal duties to attend to the crisis.

What can a small business owner do to protect his/her business from cyber hackers? Front Row Insurance Brokers provides cheap online cyber insurance coverage that protects against hacking, theft, fraud, business interruption, and legal, technical, or forensic services. Hackinsure starts from only $300 annually and takes about 5 minutes to get your policy. https://hackinsure.frontrowinsurance.com.

Front Row has also put together a number of helpful tips for small business owners to help limit the risk of a cyber attack.  Check out the blog post at https://www.frontrowinsurance.com/articles/topic/cyber-insurance for ideas that should be applied by all employees.

Tags: BREACH INSURANCE, buy cyber insurance online, Cyber Insurance Canada, hack insurance

Birthday Party Insurance

Posted by Monica Krake on Aug 15, 2018 2:35:17 PM

 

203918-OZ3JH7-818You’re planning a birthday party. This year, you want to keep things simple with a paired down guest list of 50 people, a simple wine bar, and a few party platters. What could possibly go wrong?

Well, a few things, it turns out. Here are some of the top reasons you might just want to insure your next birthday party:

1 . House parties over a certain number aren’t insured by your homeowner policy. So, if anything goes wrong - from food poisoning to one of your tipsy guests tripping on your garden gnome - you could be sued.

Adult birthday party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest. Same goes if you’re planning a holiday party!

2. If you’re throwing your birthday party at a local venue, you’ll likely need to purchase insurance, which is required by most venues. Be sure to speak to the venue about the level of coverage you’re required to obtain. And even if you decide on having your birthday party at a local park, there are good reasons to consider purchasing insurance for a picnic party, too. 

3 .You’re all set to get the party started with your rented sound system, and a few extra tables, chairs and a party tent you’ve brought in to make the bash extra special. Technically, you are responsible for anything that happens to any of your party rentals. So, if your guests get a little wild, blast out the speakers, rip the tent, or break the chairs, good news: birthday party insurance covers the costs of any damages to your rented party equipment.

4. Do your generous friends tend to lavish you with expensive gifts? Well, birthday party insurance covers you here, too, if any of the gifts are stolen. Believe us, party theft happens a lot more often than you’d like to think.

While insurance may not be top of mind when you’re planning a birthday party, there really are countless ways it can save you money, help you avoid hassles with your vendors, and even prevent conflicts with any potentially injured friends or family.

So, when you get down to planning your next big bash, be sure to check out our online adult's birthday party insurance. You can obtain coverage online in a few minutes with no

Tags: kid's birthday party insurance, birthday party insurance, adult birthday liability insurance, adult party insurance, birthday insurance, party insurance, holiday party, party at a local park, online adults birthday party insurance

Transfer Cyber Risk to Cyber Attack Insurance

Posted by David Hamilton on Jul 31, 2018 3:32:07 PM

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As noted in the media in recent years, cyber attacks have become an increased threat to the cyber security of a business. While the most prominent cases report have been attacks against large companies such as Target, Sony and Home Depot; in fact, 43% of attacks are occurring against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cyber security.

Fortunately, there is a way that you can protect yourself against cyber crime by purchasing Cyber Insurance otherwise known as Data Breach Insurance. Front Row Insurance has recently launched a new product called Hackinsure.

Hackinsure offers the following cyber security protection:

  • Comprehensive Cyber Liability: Combines third-party cyber-liability (your customers/clients) and first-party (you and your business) and cyber crime expense.
  • Theft and Fraud: Data breach coverage. Protects against destruction or loss of digital data resulting from a criminal or fraudulent cyber event.
  • Business Interruption: Covers lost income and related costs when unable to operate due to a cyber security event or data loss.
  • Extortion & Ransomware: Provides coverage for costs associated with investigating threats to commit cyber attacks and payments to those who threaten to obtain and disclose sensitive information.
  • Forensic Investigation: Covers the legal, technical or forensic services necessary to assess whether a cyber-attack has occurred, to assess the impact of the attack and to stop an attack.

Coverage starts at $300 for the year, but you can save $50 by using the following coupon code: DICEHACK$50.

Get a Free Online Quote Now

A basic policy would include the following options, with higher limits available:

COVERAGES LIMIT DEDUCTIBLE
Cyber Incident Response Limit $100,000 $1,000
Cyber, Privacy & Network Security Liability $100,000 $1,000
Regulatory Proceeding $100,000 $1,000
Non Panel Response Provider $10,000 $1,000
Business Interruption Loss & Extra Expense $10,000 $1,000
Contingent Business Interruption Loss & Extra Expense $5,000 $1,000
Network Extortion $10,000 $1,000
Digital Data Recovery $10,000 $1,000
Payment Card Loss $100,000 $1,000

Coverage can be purchased online through our website at http://hackinsure.frontrowinsurance.com/. If you have any questions regarding the coverage, please don’t hesitate to give us a call at 604.684.3439.

Get a Free Online Quote Now

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

Tags: cyber liability, Cyber Insurance, cyber attacks, cyber security, cyber crime, data breach insurance, cyber risk, cyber attack insurance, privacy & network security liability, Comprehensive Cyber Liability, Fraudlent cyber event, cyber event, Cyber Incident

Hosting an Adult Birthday Party: Do You need Insurance?

Posted by David Hamilton on Jul 30, 2018 3:22:31 PM

 

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It is good planning to consider adult birthday party insurance. No-one wants to think of what might go wrong; however, events do sometimes have to be cancelled or the unexpected happens. You may find yourself being served with a lawsuit from your friends or family for a wide range of different reasons and Front Row event insurance is there to help make sure that you do not lose money – or sleep - as a result.

6 Reasons to consider when hosting an Adult Birthday Party:
  1. Does your venue require you to provide evidence of short term event insurance? Read your rental contract before you sign it.
  2. Are you hosting the party at home? Check with your home insurance broker to see if you are covered. Parties over a certain size are most likely not covered.
  3. Have you rented furniture, a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contracts.
  4. Your guests could trip on temporary carpeting or slip on a drink spill on the floor and injure themselves. Adult Birthday Party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs - up to the limit of the policy -  awarded to your injured guest.
  5. Do you need protection for the gifts in case they are stolen?
  6. What happens if your marquee blows away and injures other people in the park? Lawsuits would be covered with Adult Birthday liability insurance.

Most birthday venues will require you to have event insurance in place. Often the venue will tell you in their contract the short term venue liability amount required.

Adult birthday party planning should include online adult's birthday party insurance. 

Special event liability is available online with no need to talk to an insurance broker. Our cheap event policies start at $130 and certificates for your Adult Birthday venue are free. A one day event insurance quote is also free:  a fast quote is available any time of the day or night in just 3 minutes.

Adults Birthday Party planning should include online.

Get a Free Online Quote Now

If you will be serving alcohol at your Adult Birthday Party make sure that you request venue alcohol liability – available through our online site. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your adult birthday party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

It’s always good planning to have event insurance because you never know when something unexpected may occur. Adult birthday insurance will allow you to fully enjoy the special day. 

Get a Free Online Quote Now

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides adult birthday party insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the adult’s insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Tags: Special Event Insurance, single day insurance, day insurance, online short term venue liability insurance, cheap event insurance, one day event insurance, One day special event liability, online event insurance, short term liability insurance, birthday party insurance, one day event liability, short term venue liability insurance, adult birthday liability insurance

Holiday Party Insurance: Do You Need It?

Posted by David Hamilton on Jul 30, 2018 11:49:21 AM

Throwing a party in your office or at your home or maybe you are renting a venue? Well, you’re going to need one day special event insurance.

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WHAT IS EVENT INSURANCE? 

Short term event insurance protects you from lawsuits caused by damage to the location you are renting or lawsuits that arise if your guests are injured. Your rented venue is likely going to ask for evidence of one day liability event insurance so the venue owners are not drawn into your lawsuit.

What would I need one day event insurance for?

  • If you are hosting a Canada Day party in a municipal park, or on a municipal beach or on crown land you may need a permit that requires you to show evidence of one day event liability. Often the permit will specify the short term venue liability amount required.
  • Your guests may accidentally damage the cabana or barbecue shelter you have rented. Does the owner require you to provide evidence of short term venue liability insurance? It is suggested that you check your rental contract.
  • Are you hosting the holiday party around Christmas at your house? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
  • Have you rented furniture or the sound system or a marquee for your annual summer bash? Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts.
  • Hosting a company party during the holidays is a great time to bond with coworkers. Parties are fun until your staff are injured. What if your employee is forced to sue your company? Will your business office insurance cover a holiday party? Holiday party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
  • If you are serving alcohol, try to hire a caterer to serve the drinks or purchase one day liquor liability insurance.
  • What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with day insurance.

Front Row Insurance Brokers offers online holiday insurance with no need to talk to a broker. Policies start at $130 and certificates proving insurance coverage for your rented venue are provided immediately at no cost.

A quote is also free - a fast quote is available any time of the day or night.

Get a Free Online Quote Now

 

If you will be serving alcohol at your holiday party make sure that you request venue alcohol liability. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your holiday party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

Get a Free Online Quote Now

It’s always good planning to have holiday insurance because you never know when something unexpected may occur. Online holiday insurance will allow you to enjoy your special day.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Tags: event insurance, day insurance, short term venue liability, venue alcohol liability, event liability, one day event liability, short term venue liability insurance, one day liquor liability insurance, insurance for a holiday party, holiday liability insurance, online holiday insurance

Insurance for a Picnic: Is it Necessary?

Posted by David Hamilton on Jul 27, 2018 4:14:04 PM

Blog Post-2Hosting a picnic for the day? Do you need event liability? Consider these risks associated with picnics to help you decide:

  • If you are hosting the picnic in a municipal park, on a municipal beach or on crown land you may need a permit that requires you to show evidence of one day event liability. Often the permit will specify the short term venue liability amount required.
  • Your guests may accidentally damage the cabana or barbeque shelter you have rented. Does the owner require you to provide evidence of short term venue liability insurance? Check your rental contract.
  • Are you hosting the picnic at home in your yard? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
  • Have you rented furniture or the sound system or a marquee? Are you responsible to insure the equipment you have rented? Time to read the fine print in those rental contracts.
  • Hosting a picnic is a great time to bond with family, friends and coworkers. Picnics are fun until your guests are injured. What if your friend or relative is forced to sue you or your company? Will your homeowners insurance cover you? Probably not. Picnic liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
  • If you are serving alcohol, try to hire a caterer to serve the drinks or purchase one day liquor liability insurance.
  • What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with day insurance.

Get a Free Online Quote Now

Front Row Insurance Brokers offers online picnic insurance with no need to talk to a broker. Policies start at $130 and certificates proving insurance coverage for your location are provided immediately at no cost. A quote is also free: a fast quote is available any time of the day or night.

If you will be serving alcohol at your picnic make sure that you request venue alcohol liability. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your picnic and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

Get a Free Online Quote Now

It’s always good planning to have picnic insurance because you never know when something unexpected may occur. Online picnic insurance will allow you to  enjoy your special day. 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides picnic insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the picnic insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Tags: day insurance, short term venue liability, venue alcohol liability, online picnic insurance, insurance for a picnic, event liability, one day event liability, short term venue liability insurance, picnic liability insurance, one day liquor liability insurance

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