Planning an event? 5 insurance tips you need to know

Posted by David Hamilton on Oct 12, 2018 3:42:14 PM

Concert dinner picPlanning an event? Whether you’re getting ready for a gallery opening, organizing a neighborhood rummage sale, or putting on a craft show, you’ll need to make sure you have the right insurance in place to protect your event and yourself in case of any unforeseen circumstances. Though you probably expect everything to go off without a hitch, the fact is, when it comes to planning an event, things do sometimes go sideways and it’s important to put the necessary precautions in place. Here are several factors to consider, to ensure you have the right coverage for your event:


  1. Does the venue you’re renting require insurance? Venues will usually specify the level of coverage you’re required to have if it’s not covered in your rental agreement. If you’re hosting your event in a public space, or on municipal property, you’ll want to make sure you have the necessary permits to demonstrate you have obtained event liability insurance, to the amount required.
  2. Will one of your vendors be a no-show? If you’re renting tables, chairs, or a tent for your event, you want to be sure you’re covered in the case of a vendor no-show, or any damage to your rentals.
  3. What if you need to cancel the event? Could be weather or illness related, or due to a mix up of some kind; whatever the case, event liability insurance protects you from having to pay all the event-related expenses you’ve incurred.
  4. Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts. You’ll want to be sure you’re covered.
  5. Planning to serve wine or cocktails at your event? If you are serving alcohol, try to hire a caterer to serve the drinks. Otherwise, you’ll need to purchase one day liquor liability insurance.


If you still have questions about the level of insurance you’ll need for your one-day event, please get in touch! To get a quote online, in only 3 minutes click here!


Tags: one day event liability, short term, online adults birthday party insurance, party insurance, holiday party, party at a local park, short term event insurance

Pre-Production Insurance for Filmmakers

Posted by David Hamilton on Oct 2, 2018 2:35:17 PM


Keep a Minor Pratfall from Becoming Your Downfall.

Ah, pre-production. You’re one small step closer to getting your project in the can! Your script treatments are finished, crew hired, and cast chosen. You’re ready to get started building sets, designing costumes, and planning your shooting schedule. Normally this is not the stage of the game where things go wrong, but let’s consider a couple of scenarios where something does:

  • A large set piece falls over and will need repair or replacement. It was needed in a key scene.
  • A pipe bursts in your production office and important documents are water-damaged.

A film producer’s risk policy (also called an “Entertainment Package Policy”), includes a number of coverages which protect you against situations like the above. These coverages include:

Extra Expense Insurance.

This is a type of business interruption coverage which covers you for delays caused by loss or damage to property or facilities used in connection with the production. In example #1 above, it would compensate you for the additional cost and time of replacing the damaged set piece.

Office Contents

This coverage offers protection against damage or loss to the contents of your production office, including but not limited to:

  • Furniture
  • Equipment
  • Fixtures
  • Improvements & betterments
  • Valuable Papers and Records (e.g., written film tape, disc, drum, cell, printed or otherwise inscribed documents and records including books, maps, abstracts, deeds, manuscripts or other magnetic recording or storage media).

Ensuring you have the right coverage for your production will provide peace of mind and allow you to focus on what’s important—making your film. Contact us today.

Tags: Film Production Insurance, pre production insurance for filmmakers

Protecting your script with Producers E&O insurance

Posted by David Hamilton on Oct 2, 2018 2:27:48 PM

Ensure Your Story is Told. Protect your Script.

Your team has recently secured the rights to a popular book, and you’re ready to make it into a feature film. You’re excited to get started bringing the concept and promise of the book to life, and you hire a respected screenwriter to adapt the book for the screen. You’re working on revisions when suddenly a letter arrives from another screenwriter who claims that he pitched a very similar script to the director not long ago.

All of a sudden, things aren’t going to plan...

Legal counsel to defend such cases is costly, and even if the matter is resolved without a lawsuit it will still drain valuable time from your production schedule.

No amount of preparation can totally eliminate the risk.

That’s why even when you know you’ve covered your bases, you still need insurance to protect you if something goes wrong. That’s where Errors & Omissions insurance (“E&O”) can help.

Among other things, it offers protection against:

  • Claims of plagiarism
  • Libel/slander accusations
  • Accusations of defamation of character or invasion of privacy
  • Lawsuits arising from alleged unauthorized use of
  1. Titles
  2. Formats
  3. Ideas
  4. Characters
  5. Plots

The policy will pay for legal defense if a third party sues you for the above reasons, even if the claim has no merit, and provides peace of mind after your initial due diligence is completed. Finally and perhaps most importantly, many distributors require that you have this coverage in place prior to greenlighting release of your film.

Don’t let your film get derailed before it even gets on track; contact us to ensure you have the right coverage.

Tags: screenwriters, E&O Policy for producers, E&O Insurance for producers, producers errors and omissions policy

Equipment Breakdown Insurance: Essential For Small Businesses

Posted by David Hamilton on Oct 1, 2018 8:29:58 AM


Your telephone system crashes, your air conditioner starts blowing hot air, or a power surge renders your computers unusable. While you may have a Commercial Property policy, without the benefit of Equipment Breakdown Insurance, your business could be on the hook to pay not only for repairs to these kinds of losses, but also lost income and potential replacement.

A typical Commercial Property Policy most likely excludes:

Electricity- Losses caused by artificially generated energy that damages or disrupts electrical/electronic devices.

Boiler Explosion- Losses caused by explosion of steam boilers, steam pipes, steam engines, steam turbines.

Mechanical Breakdown- Losses caused by rupture/bursting caused by centrifugal force.

Luckily, Equipment Breakdown Coverage can be added to a Commercial Property policy. With this endorsement, damages caused by breakdown for any owned property will be covered, as well as other people’s property under your control (for which you are legally responsible).

Standard examples of covered equipment include:

  • Communication and Computer Equipment
  • Electrical and Mechanical Equipment
  • Pressure Vessels and Vacuum Equipment
  • Utility-owned Equipment


The definition of covered equipment can be quite broad, so it’s important to note exclusions may exist and listed on the policy. Discuss with your broker should you have any questions.

Breakdown, as defined by Equipment Breakdown Insurance, is a defined term that applies to direct physical losses causing damage to covered equipment. The damage must be sufficient to require repair or replacement of the equipment.

Types of breakdown include:

  • Electrical failure including arcing (faulty wiring or motor burnout)
  • Mechanical failure
  • Failure of pressure or vacuum equipment

A number of Coverage Options may be included at specified limits or be available to add under an Equipment Breakdown policy. These could include (but are not limited to):

  • Business Interruption: Reimburses for loss of profits and/or continuing expenses as a result of a claim on a proof of loss basis, until business can be resumed to normal levels (subject to the limit of loss specified).
  • Expediting Expenses: Covers extra costs incurred to make temporary repairs or speed up the process of repair/replacement of damaged property.
  • Newly Acquired Premises: Covers premises acquired or leased after the policy is in force.

To learn more about the specific benefits Equipment Breakdown Coverage can offer your business, please contact one of our offices here to speak with a broker.

About Us: Front Row Insurance Brokers Inc. is an independent entertainment insurance broker working on behalf of film producers to transfer risks to insurance companies for the lowest possible cost. Should a claim occur, Front Row ensures the producer receives the money 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.

Newly Acquired Camera Equipment Insurance Coverage

Posted by David Hamilton on Sep 25, 2018 11:27:46 AM

shutterstock_61466209-1When photography equipment is damaged or stolen what do you do? Ultimately your camera equipment insurance policy should provide the necessary coverage to replace your equipment; however it can take weeks, to get insurance claims paid out. So what do you do in the meantime?

If you intend to continue your business, you need to resume operations as quickly as possible, and that work requires new equipment.  Newly acquired equipment coverage provides reimbursement for any costs that you incur to replace gear that has been stolen or damaged. Newly acquired equipment coverage is not automatically included on a photographer insurance policy. Make sure your photography equipment insurance policy includes extra expense newly acquired equipment coverage.

Does your current policy provide this coverage?

Front Row now offers on line camera insurance:

Insure your gear for as low as $10 (plus a fee). Get a quote in 1 minute. A policy in 5 minutes. Worldwide coverage. Protect your gear against: theft, breakage, fire and more. Liability is also available.

Click now for a free, no obligation online quote:

Tags: Camera Equipment Insurance, Photography Equipment Insurance, camera equipment insurance policy, Photographer Insurance Policy, Photography Equipment Insurance Policy

Insuring Your Bat Mitzvah Party

Posted by David Hamilton on Sep 25, 2018 11:20:48 AM

batbar mitzvah Blog Post

Six reasons why you should protect yourself with online Bat Mitzvah insurance

There are many risks associated with a Bat Mitzvah Party that you may not have thought of:

  1. Bat Mitzvah Ceremony: your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
  2. Are you hosting the Bat Mitzvah celebration at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered.
  3. Have you rented furniture or a sound system or a marquee? Are you responsible to insure the Bat Mitzvah speech equipment you have rented? Check your rental contract.
  4. Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? Oy vey. Will your homeowners insurance cover you? Probably not. Bat Mitzvah event 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.
  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 from a cartwheeling marquee would be covered.

When hosting a, most banquet halls and venues such as golf and country clubs 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.

Your Bat Mitzvah planning checklists should include bat mitzvah insurance.

Available online with no need to talk to a broker. Policies start at $130 and certificates for your venue are issued 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 bat mitzvah 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 bat mitzvah celebration and harm themselves or someone else. Consider how your guests will be traveling home.

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

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

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office bat mitzvah 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 is licensed and registered in all provinces in Canada.

Get a Free Online Quote Now

Tags: Bat Mitzvah insurance, Bat Mitzvah Ceremony, Bat Mitzvah celebration, Bat mitzvah event liability insurance, Bat mitzvah, Bat mitzvah planning checklists

Art School Insurance that Puts Students’ Safety First

Posted by David Hamilton on Sep 14, 2018 8:03:00 AM


Whether you’re running a world-class art school or offering dance or music classes from your home studio, we understand the level of passion and expertise that goes into delivering creative education.

 When it comes to choosing insurance to protect your school or studio from possible liabilities, it’s important to ask ALL of the questions that might arise in a worst case scenario: what would you do in the case of abuse against a student, a serious injury, or severe damage to your facility? 

Front Row Insurance has developed a program called Protégé that’s been designed specifically to protect your art school or studio and your students against situations that are beyond your control. 

In the case of ANY of the potential situations described below, the Protégé art school insurance program puts the protection of your students and your business first and foremost: 

  1. Abuse: With the Protégé program, students’ safety is #1. We’ve protected several of Canada’s most loved art schools from situations that would have been far more devastating to the students involved and to the school itself without our protection. 

Our top priority is to protect your students which is why part of the Protégé insurance policy includes implementing staff and security procedures that in themselves help to prevent possible situations of abuse. 

Unfortunately, the fact is, there are too many times when teachers and coaches have abused their positions of authority. Our Protégé insurance for art schools and studios 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 for your students, as well as the medical, rehabilitation and counselling costs for your students and others on your team who may be affected by any cases of abuse. 

  1. Educators’ Errors and Omissions: The E&O aspect of our Protégé program has been designed to provide extra coverage for allegations caused by a student’s dissatisfaction with your curriculum, a dismissal, or failure to educate. 
  1. Studio Property and Liability:: And of course your studio needs property coverage too, and perhaps you need coverage for property while touring and and gear you take to competitions. That’s what Studio Property coverage is all about. Liability covers your business for injuries that occur to people you have invited to your premises. Liability will also cover property damage that you do to studios and performances spaces that you and your students are visiting. 
  1. 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, money to pay the valuable teachers you don’t want to lose and extra costs incurred until your studio is repaired and you can start to generate revenue again.. This is all included in the Protégé program. 

As we help you to shape up a policy to best meet your specific needs, we’ll walk you through questions, such as: 

  • What are the potential risks to 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? What is your policy around use of images and privacy? How are they used and stored? 

As the largest arts and entertainment insurance broker in the country, we understand the art world very well, and we’ve got a great reputation for having protected some of Canada’s best known creative institutions. 

If you’d like to discuss your coverage needs and receive a free quote, contact: Steve Beatty 416 642 3294.


Protege Blog

Tags: art school insurance

Venue Insurance in Canada

Posted by David McLeish on Aug 30, 2018 10:28:13 AM


shutterstock_486899269Your venue welcomes the world.

Whether it’s an audience of ten thousand or something more intimate, you open your space to the public, and to the people who know how to draw a crowd. This, in turn, exposes you and your venue to certain risks that can be managed with the right kind of venue insurance. Whether you need stadium insurance or  community theatre insurance or amphitheater insurance or  auditorium insurance or concert hall insurance or insurance for an outdoor stage outdoor stage, you are responsible for the safety of the public and performers and you could become liable if someone is injured at your venue.  You also have to be concerned with potential damage to property, performance cancellations, the care and conduct of your employees… then there’s all the stuff you never could have predicted!

Front Row’s venue insurance will look at your specific venue, and we’ll tailor coverage to meet your unique needs. We’ll look at things like:

  • Your venue’s capacity
  • The frequency of performances
  • Types of performances hosted
  • Types of concessions sold (any alcohol?)
  • The characteristics of the building where it all happens.

When it comes to risk, we’ve got the best seat in the house, and we can help you see your exposures from every angle. That means you can confidently welcome the world’s best, brightest, and craziest–whatever the world throws at you, you’ll be ready!

Tags: short term venue liability, short term venue liability insurance, short term venue insurance, short term, amphitheater insurance, concert hall insurance, outdoor stage insurance, venue insurance

DICE Insurance Policies: Annual Protection for Multiple Film Projects

Posted by David McLeish on Aug 24, 2018 4:14:34 PM


What are DICE Insurance Policies? 

Many film and video companies engage in multiple productions throughout the year. These types of companies, known as DICE Producers (Documentaries, Industrial Films, Commercials and Educational films), benefit from an annual insurance policy known, conveniently, as a DICE Policy.

Somewhat like an annual travel insurance policy that covers all the trips you take in a year, a DICE insurance policy will cover all the productions you undertake in a year, so you don’t need to keep re-applying for insurance for each individual production. This gives DICE Producers the freedom and flexibility to provide certificates of insurance and lock locations at a moment’s notice (many municipalities require $5 Million in Commercial General Liability to secure a film permit). An annual policy also means you only have to think about the insurance once a year, and unless you’re insurance nerds like us, once is probably enough!

There are some limitations: a DICE policy won’t cover feature length films, productions with shooting periods over 90 days, or TV series, episodes, or specials. But it will cover productions like short subjects, music videos, and photo shoots, along with the DICE staples—virtually everything except feature films and TV series.

Free DICE Quote

Calculating your DICE premiums:

The policy premium is based on your actual annual gross budgets. Coverage is purchased with a deposit premium that is based on your provisional, estimated annual gross production costs (say, you expect to do $500,000 that year). Then, at the end of the year, you report a final gross production cost and the premium is adjusted up or down accordingly. If you weren’t as busy as you had anticipated, the unused premium is refunded to you, or, if business was booming and you did better than expected, you can pay for the additional coverage used at the end of the year. This means you’re only paying for the insurance you actually needed during that year. Our DICE policies have a minimum annual gross budget of $220,000 and no upper limit, so whether you’re just starting out or a seasoned pro, Front Row’s DICE Policy can be tailored exactly to the needs of your production business.

Additional Coverage is also available for:

  • Props, sets, and wardrobe
  • Faulty stock, camera, processing
  • Office contents
  • Miscellaneous equipment
  • Money & currency
  • Vehicle physical damage
  • Employee dishonesty
  • Animal mortality
  • Third Party Damage
  • Commercial vehicle physical damage

Visit the Front Row Insurance Website for more information or a fast, free no obligation quote!

Free DICE Quote


Tags: DICE Insurance, DICE Policy, corporate video insurance, music video production insurance, music video insurance

Theft from Vehicle: PHOTOGRAPHY INSURANCE explained

Posted by David McLeish on Aug 20, 2018 2:48:24 PM


Theft from a vehicle: Is my equipment covered?

For professional photographers, the world is their workplace. They need to be able to pick up and go wherever—and whenever—the light is magic. That means they’re travelling with valuable equipment, and that means, theft from a vehicle is a serious concern. Did you know some insurance policies don’t cover theft from a vehicle? Crazy, right? At Front Row Insurance, our Photographers insurance program WILL cover your equipment if it is stolen from an unattended vehicle, but with some important conditions.

  • The vehicle had to have been locked.
  • There needs to be visible evidence of forced entry.
  • You need to file a police report.

“Hold-up” (as in, “stick-‘em-up!”) is also covered under our policies, so if someone forces you to unlock your vehicle using threat of violence, you will still be covered. But again, you need to file a police report. Understanding these conditions prepares you to understand how your Photographer’s insurance policy will (or won’t) respond in the event of a theft from a vehicle.

Remember, even with camera gear insurance, it’s better if your gear never gets stolen in the first place! Insurance is just one tool you have to protect your business from losses, but you should also be practicing good risk management.

  • Don’t leave your gear in an unattended vehicle if you can help it.
  • Use good judgment when choosing locations and parking spots.
  • Keep your gear in the trunk or out of sight.
  • Travel lean – only bring with you the gear you know you will need.
  • Unload your gear into your residence

At Front Row Insurance, we offer 12 month prior policies that cover you worldwide, except in countries subject to trade restrictions (click here for a list of the Canadian government’s current sanctions). All your equipment is covered for replacement cost, and coverage for rented equipment is also available. Plus, as part of your policy you automatically get:

  • $5,000 in Laptop Coverage + $10,000 Office Contents Coverage
  • $10,000 of coverage for newly acquired equipment for up to 30-day
  • $7,500 in Library Stock (Portfolio) coverage
  • $15,000 in Money and Securities coverage
  • $350 deductible per occurrence for gear

You can also purchase Commercial General Liability with our Photographers policies. Photographer liability covers property damage and bodily injury that you cause while shooting on location or in a rented studio. It can pay for legal fees, too. You can get a quote online in 2 minutes that ensures industry-low prices. Click here to get started.

Tags: Photography Equipment Insurance Policy, online camera Insurance, Camera Equipment Insurance, Photography Equipment Insurance, Online Photography Equipment Insurance

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