Planning a Wedding at  home?  Will your Homeowners Policy cover you?

Posted by David Hamilton on Dec 8, 2017 5:21:22 PM

The wedding ceremony in your parent’s back yard was more beautiful than you imagined. Later in the evening, the reception is in full swing when a scream pierces the music on the temporary dance floor. One of your parents work friends – a highly successful yoga instructor– has slipped on some spilled wine and torn all the ligaments in her knee.

Wedding Insurance

She will be in a cast and unable to work for six months. She will not be able to make the $15,000 per month that she has been earning for her classes. She has no disability insurance.

Within weeks of the wedding, a lawyers letter arrives demanding compensation for lost wages due to the hosts negligently failing to clean up the wine hazard on the dance floor. The letter also demands compensation for rehab expenses.

The parents call their homeowners insurance broker only to be told that they needed to take our wedding event insurance in order to be covered. Their homeowners policy will not protect them for a wedding they host at their home. The bride’s parents are now in the awkward position of having to defend themselves from a lawsuit from their friend.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many wedding hosts assume they are covered by their homeowners insurance policy when in fact they most likely are not. This messy scenario is easily avoided with inexpensive onlined wedding insurance.

If you use your home for a wedding, check your insurance policy and make sure your coverage is appropriate. If not, Front Row Insurance Brokers have crated a 5-minute Online Insurance Solution!  

Get a Quote in 2 Minutes  ➲

Our online wedding event insurance policy is available in all provinces in Canada.

All rented equipment is covered for replacement cost for: theft, damage and fire.

  • Wedding insurance cost starting at $55
  • Up to $5,000,000 in wedding liability insurance to cover damage to the wedding venue and injury to guests and vendor staff. Will also provide lawyer costs.
  • Unlimited Additional Insured certificates for your wedding venue and vendors at no additional cost.

"We wanted to make the insurance process easier, faster and cheaper for wedding hosts,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process online wedding event insurance is much less and we have passed the savings onto the person buying the insurance for the wedding. Although the policy is online, we are still available to answer questions by, chatbot, e mail or over the phone if required.”

Insurance for weddings is a specialty of Front Row. We make it easy to protect your special day – at a cost that could be less than a bottle of champagne. Pop! Pop!

Get a Quote in 2 Minutes  ➲

 

Tags: Special Event Insurance, wedding insurance, wedding liability insurance, event liability insurance

4 Reasons to Buy Online Insurance for Weddings from Front Row

Posted by Mike Groner on Dec 8, 2017 11:29:34 AM
  1. Wedding insurance allows you to relax and enjoy the big day.     Weddings cost an  average $30,159 in Canada . The hall, the food, the DJ, flowers, photos and all the other costs add up to an expensive day. Wedding insurance provides you with peace of mind in two ways. Wedding property insurance  provides coverage for damage to: your wedding attire, lost/stolen gifts, photographs,– even wedding ring insurance and more. Wedding liability insurance covers you when you are legally responsible for injury or damages that occur at your wedding. If one of your yoga teacher guests slips on spilled wine and tears knee ligaments and cannot work they may sue you for lost income and rehab / medical costs. Wedding liability insurance also provides a lawyer to defend you.
  2. Online Insurance for WeddingMany wedding venues require that you show evidence of wedding liability insurance.     Many venues do not want to be responsibility for situations that happen at your wedding that cause damage to their venue or injury to your guests. This means requiring short-term event insurance from you – the tenant of their venue. Check your venue contract to see if you are responsible for providing a wedding liability certificate to your venue owners. Our certificates are free and can be issued within 60 seconds of paying with a credit card on our on line site
  3. Vendors may not give you a refund if you cancel.      What happens if you are  forced to cancel or postpone your wedding? Will the baker take back the cake? Will the banquet hall and caterer refund your deposit? Will the photographer refund her deposit?  In these cases, you will want to recoup as much money as possible and you can do so by transferring the risk to insurance
  4. What happens if one or more of your vendors is a no show   Wedding event insurance can financially protect you against unreliable vendors that don’t show

Front Row Insurance Brokers offers online wedding event insurance

Get a Quote in 2 Minutes  ➲

Protect your special day in less than 6 minutes and pay with a credit card. Our wedding insurance cost starts as low as $55. Quotes take 2 minutes and are offered free without obligation on our online site.

Tags: wedding insurance, insurance for wedding

Why you should consider purchasing wedding insurance

Posted by Mike Groner on Dec 6, 2017 4:39:32 PM
Planning a wedding? There are many risks associated with hosting a wedding: your guests may damage                                                                                                   Wedding Table .jpgthe venue or the rented furniture or the sound system. Your guests could trip on temporary carpeting or a wine spill on the dance floor and injury themselves.

 

When hosting a wedding, most banquet halls and venues will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Front Row Insurance Brokers offers online wedding insurance in minutes:
Policies start at $55 and certificates for your wedding venue and vendors are free.

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If you will be serving alcohol at your wedding make sure that you request venue alcohol liability – available through our online site . Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your wedding and harm themselves or someone else.
It’s always good planning to have wedding insurance because you never know when something unexpected may occur. Wedding insurance will allow you to fully enjoy your special day.https://events.frontrowinsurance.com

Tags: wedding insurance, insurance for wedding venue, insurance for wedding

How to choose between a DICE Policy and a Short Shoot policy*

Posted by David Hamilton on Sep 22, 2017 4:56:00 PM

A Short Shoot Policy is intended for those producers who are conducting shoots lasting 14 days or less, using rented equipment and with budgets of $250,000 or less. This makes it ideal for short film producers, student projects or anyone else who will be filming on a short term basis and requires insurance. Equipment coverage can apply to any rented film production equipment as well as rented props, sets and wardrobe up to the specified policy limits. Commercial General Liability coverage can also be purchased either together with equipment coverage or on a standalone basis. If you would like a free non-obligation quote or to purchase coverage, please visit our Short Shoot policy website here. *Currently we are only able to provide this coverage to Canadian Producers. If you require this coverage from outside of Canada please contact your local Front Row office for assistance.

The Dice Package Policy is intended to provide insurance for documentaries, corporate videos, commercials, educational films music videos and more. It is best suited for producers who are planning to produce projects other than feature films or TV series. This can provide coverage for a full year for Rented and Owned equipment as well as Props, Sets and Wardrobe, Office Contents, Vehicle Physical Damage and more. Commercial General Liability coverage can also be purchased either together with the equipment coverage or on a standalone basis. If you would like more information or to request a free non-obligation quote, please visit our DICE Policy website here. If you are a US based Producer please click here instead.

For more information please see the infographic below.

DICE - Short Shoot Infographic (Canada).jpg

Tags: Short Film Insurance, Short Film Production Insurance, DICE Policy, Commercial Production Insurance, Front Row Insurance Brokers, DICE Insurance, Short Term Equipment Insurnace, Short Shoot Insurance, short term production insurnace, Film equipment rental insurance, corporate video insurance, documentary productions insurance, educational film production insurance, music video production insurance, music video insurance, Educational Film Insurance

The Annual Film Production Insurance Package Made Easy

Posted by David Hamilton on Sep 13, 2017 4:46:15 PM

The Annual DICE Insurance Policy takes the hassle out of purchasing film insurance for your film productions. It is flexible, affordable, and customizable designed to fit your individual needs. 

This policy will not only save you time, it will also save you money. Insuring all your productions under one policy helps to cut the costs, as it will reduce the administrative expenses associated with insuring each production individually, and these savings are passed onto you.

The Annual DICE Policy is specially designed to provide:  insurance for commercials, documentary insurance, coporate video insurance,educational film insurance, music video insurance, training video insurance, short film insurance, and still photography insurance.

Check out our Infographic below for coupon savings and more.

DICE Infographic Hyperlink.jpg

Interested in seeing more? Visit the Front Row Insurance Website for a free no obligation quote!

Tags: Film Production Insurance, Short Film Insurance, Entertainment Insurance, DICE Policy, Commercial Production Insurance, Documentary Insurance, Front Row Insurance Brokers, DICE Insurance, corporate video insurance, educational film production insurance, music video production insurance, music video insurance, Educational Film Insurance

Front Row Insurance Brokers Launches Online Small Business Insurance Program.

Posted by David Hamilton on Aug 31, 2017 5:44:01 PM

Front Row Insurance Brokers Inc. is excited to announce the launch of their new online business liability insurance and business contents insurance program. This unique offering provides commercial renters insurance for businesses that rent or lease their office space. Get a free business insurance quote in less than five minutes, 365 days a year, 24/7. Get a policy in less than 10 minutes here: https://workplaceinsure.frontrowinsurance.com/

 

Visitors to the site that purchase a policy can sleep easy knowing their Workplace business renters insurance covers them all year with coverage to satisfy their landlord. Landlord certificates are no cost and are provided immediately upon purchasing a policy.

 

“Office equipment is covered in addition to liability insurance for small businesses. Earthquake and flood insurance are offered at no extra cost.“ said David Hamilton, CEO of Front Row Insurance Brokers. “This is a disruptive product for entrepreneurs looking for a reduction in small business insurance costs and an ability to purchase a policy in minutes without having to speak to a broker. The expected savings should average 20% and the time saving is significant for a business owner.”

 

Available to Canadian small business insurance buyers at: https://workplaceinsure.frontrowinsurance.com/

 

The policy term is for 12 months. All office equipment is covered for: theft, damage and fire. Business interruption insurance is also provided.

 

The online link ensures small business insurance- low prices:

 

• $10,000 office contents insurance coverage: $25, plus a fee.

• $2,000,000 business liability coverage: $400

• $500 deductible

 

The online program for business renters insurance follows Front Row’s lead over the past two years into online offerings for: short term filmmakers, photographers and musicians. “We wanted to make the insurance process easier, faster and cheaper for business liability insurance and office renters insurance,” said Hamilton, “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process a small business liability insurance policy is much less online and we have passed the savings on in the form of a less expensive small business insurance policy. Although the Workplace office insurance policy is online, we are still available to answer questions by e mail or over the phone if required.”

 

The site can be accessed by clicking this link: https://workplaceinsure.frontrowinsurance.com/

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office renters 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: Film production offices, Office Contents Insurance

Darlene Milley Joins Front Row Insurance Inc

Posted by David Hamilton on Aug 17, 2017 2:14:06 PM

August 17, 2017- On September 7th Front Row Insurance is set to welcome Darlene Milley as Vice-President to our Toronto office.

 An industry professional offering over twenty years’ experience in film and television insurance, Darlene specializes in arranging insurance for film production companies. She also has experience with large media accounts, including previous work with major movie studios and TV networks in Canada and the US.

 “We are delighted to welcome Darlene to the team.” says Front Row President and CEO, David Hamilton. “She is well known in the Toronto Film Community and has strong connections to the Los Angeles market. Our Toronto office is looking forward to engaging her full range of abilities and detailed client service skills.”

 From September 7th and onwards, Darlene can be contacted at:

 darlene@frontrowinsurance.com

 Office Phone: 416-628-5315

About: Front Row Insurance Brokers Inc. is an independent entertainment insurance broker that works on behalf of film producers to transfer their risks to insurance companies for the lowest possible cost. Should a claim occur, Front Row ensures that the producer receives the money that they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, Halifax,  Los Angeles, New York, Nashville and Paris.

 

Media Enquiries:

David W. Hamilton

President + CEO

david@frontrowinsurance.com

www.FrontRowInsurance.com

602-1788 W Broadway

Vancouver, B.C., V6J 1Y1

Click here! To learn more about our  online short shoot program.

P 604 684 3456

Montreal – Toronto – Los Angeles – Nashville – New York - Paris

Passionate about the arts…better at insurance

Tags: new hire

Short Term Theatre insurance now available Online through Front Row

Posted by David Hamilton on May 17, 2017 3:16:53 PM

Vancouver, Canada – May 19, 2017 -- Front Row Insurance Brokers Inc. is pleased to announce the launch of their new short term online SOLO theatre insurance program.

This will allow producers of a live performance to obtain quotes for short term venue rentals and equipment in less than five minutes 365 days a year 24-hours a day. A policy can be purchased online and all associated documents can be downloaded in less than ten minutes. Given the flexibility of the online tool, theatre producers can purchase coverage on the day they need it. A large web development firm worked with Front Row to help bring the best product to market. 


Theatre insurancePolicy terms are for up to 4-weeks and coverage is provided anywhere in Canada. Equipment rental company and venue certificates are unlimited and provided for free. The certificates are delivered instantly. The program is available effective immediately across Canada. 

Get a quote in 2 minutes

The risks that can be covered are: rehearsing, producing or presenting a theatre, dance, opera or other live performance.

The Solo Insurance program can be purchased online with a credit card and can include the following coverage for up to 4-weeks with no minimum premium:

  • Up to $5,000,000 in General Liability Coverage
  • Optional Theatrical Property coverage for Equipment, Props, Sets, and Wardrobe
  • Additional Insured certificates for your venue(s) for no additional cost.

“Small start-up theatre companies are the future of the theatre industry and the future of our business,” said David Hamilton, President + CEO of Front Row Insurance. “We wanted to find a way to lower the cost to insure their projects as much as possible and deliver the coverage with a minimal effort and time. Our soft launch test phase resulted in excellent feedback from producers.”

The website is: https://stagelive.frontrowinsurance.com/

About: Front Row Insurance Brokers Inc. is an independent entertainment insurance broker that works on behalf of live entertainment producers to transfer their risks to insurance companies for the lowest possible cost. Should a claim occur, Front Row ensures that the producer receives the money that they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, Los Angeles, New York, Nashville and Paris.

Contact:
David Hamilton, President
david@frontrowinsurance.com
Ph: 604-684-3456

Tags: Live Show Insurance, Theater Insurance, production liability insurance for theatre

Producers E&O: What is My Distributor and Financier Asking For?

Posted by Kent Hamilton on Apr 7, 2017 3:12:31 PM

You sold your documentary! You met your distributor requirement of obtaining a three year E&O policy through the Front Row IDA E&O Program. Congratulations!

However, you  read the fine print in the contract and you’re surprised to see several requirements:

  • First, the distributor wants you to extend your policy to cover them by naming them Additional Insured in case of a claim. No problem: you just send a request and provide us with your distributors name and address. This will generate a certificate of Insurance (COI). The certificate will detail: your company name and address, what insurance company is covering you, how much insurance the project has (i.e. $1,000,000/$3,000,000), and what the retention (deductible) is (i.e. $10,000 or $25,000). You can request as many certificates  as you like under the IDA program if you make multiple sales and certs are always free.
  •  Second, the distributor wants to be covered for 5 years! You just paid a lot of money for a three year policy. Will this cost you more premium? The answer is no. There is a special endorsement that is offered on the IDA policies called a “Rights Period Endorsement (RPE) ” or “Term of Contract Endorsement (TOC)”. This endorsement will extend the length of your E&O term to match the length of your distributors agreement as long as you notify the insurance carrier prior to the expiration of your policy. Just send us your distribution contract and in the majority of cases the insurance carrier will provide you with this  money saving endorsement.

Now you can breathe easier knowing that your E&O policy is in place  to protect your company, financiers and distributors.

E&O insurance will pay your legal and judgement costs if you are found responsible for any of the following:

  1. Invasion or infringement of privacy
  2. Infringement of copyright or trademark
  3. Libel, slander or other forms of defamation
  4. Plagiarism, piracy or unfair competition resulting from the alleged use of titles, formats, ideas, characters, plots, performances of artists or performers or other material
  5. Breach of contract, implied or in fact or in law, resulting from the alleged submission, acquisition or use of program, musical or literary material used by the insured in the insured production

To obtain a preliminary E&O quote for your project, please  CLICK HERE

You will be requested to fill out an application and a quote will be given to you in most cases within one business day.

IDA Production Insurance packages are also available:  CLICK HERE

Please note that this is an illustration only: for a detailed outline of the E&O coverage contact us and we will send you a sample policy wording. In the event of a coverage conflict given the advice above, the policy wording would prevail.

 

Tags: E&O Insurance, Documentary Insurance, Producers Errors and Omissions Insurance, IDA Insurance, International Documentary Association Insurance

Front Row Insurance Brokers opens New York Office

Posted by Meghan Stickney on Mar 3, 2017 3:23:31 PM

Stacie O’Beirne has joined Front Row LLC in the position of Senior Vice President based in New York.

Stacie specializes in Film and Television Production Insurance including Errors & Omissions Coverages. She started her career at Albert G. Ruben in Los Angeles in 1989 handling several major production companies. In 1999 she moved to New York and continued at Albert G. Ruben.

She moved to Marsh in New York in 2000 and developed 'wrap up' programs for several Advertising Agencies (TV Commercials) and Record Companies (Music Videos). She also worked on several large media accounts. In 2005 she began working at DeWitt Stern on many types of Film and TV Accounts including Major Studios, TV Networks, Independent Film, Advertising Agencies and Record Companies.

Her goal is to assist clients with all their production insurance needs and helping solve insurance issues. She also has deep knowledge and experience in Reality Television exposures.

Stacie can be reached at:

Stacie@frontrowinsurance.com

Stacie O’Beirne

Senior Vice President

Phone # 646-849-4114

Fax # 646-849-4072

Cell # 917-861-7931

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Los Angeles, New York, Nashville, Colorado, Vancouver, Toronto, Montreal and Paris, France.

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