How to Protect Your Wedding Dress

Posted by Grant Patten on Jun 11, 2019 8:46:15 AM

How to Protect Your Wedding Dress

The Wedding Dress

We at Front Row Insurance know that the wedding dress (or bridal gown, or wedding gown) is usually a fairly significant investment for the bride, so it would be wise to also think about how to protect that investment. In this article, we’ll review some of the interesting history behind the wedding dress, we’ll take a look at some examples of amazing wedding dresses and we’ll conclude with some helpful tips on how to best protect your wedding dress – both before and after your wedding.

The Wedding Dress – An Intriguing History

Have you ever thought – why a dress? And why, for that matter, a white dress? In many societies the colour white has long been associated with purity and virtue, and that is one reason why brides choose to wear white, especially in the West. But in other cultures such as in India, for example, their wedding dress is usually a reddish tone because in Hindu thought, red is considered an auspicious colour.

For most of history, brides rarely purchased a dress specifically for their wedding day, and the dress they wore to their wedding often wasn’t white. Prior to the Victorian era, a bride was often married in any colour dress, even black.

The first documented instance of a princess who wore a white wedding dress for a royal wedding ceremony is that of Philippa of England in 1406, when she married Eric of Pomerania.

White didn’t become a popular wedding dress colour choice until around 1840, after the marriage of Queen Victoria to Albert of Saxe-Coburg. Up until this time, no woman expected to wear her wedding dress only once and never again – this idea would have been absurd even to the rich. More often than not, a woman got married in the best dress she already owned.

Examples of Iconic Wedding Dresses

If you haven’t chosen your wedding dress yet or if you’d just like some inspiration before your big day, take a look at some of these impressive wedding dresses throughout history:

Grace Kelly’s immaculate wedding dress. Grace Kelly and Rainier III, Prince of Monaco, were married April 19, 1956, in Monaco.

Grace Kelly’s immaculate wedding dress


Princess Diana’s giant 25-foot train dress. Princess Diana married Prince Charles on July 29, 1981 in London.

Princess Diana’s giant 25-foot train dress


Gwen Stefani's creative wedding dress. Stefani married Gavin Rossdale on September 14, 2002 also in London.

Gwen Stefani's creative wedding dress


Amal Clooney’s fashionable wedding dress. Amal married George Clooney on September 27, 2014 in Venice.

Amal Clooney’s fashionable wedding dress

Wedding Dress Protection Tips – Before & During the Wedding

Let’s now look at some tips on how to best ensure that your dress is kept in great condition before and during your wedding:

  • Get a garment bag: make sure your dressmaker provides you with a waterproof bag when you pick up your dress.
  • If transporting your dress by car, consider packaging it in a box. Use rolled tissue paper (or something else cylindrical) in the dress folds to avoid creasing.
  • As soon as you get your dress, hang it up in a cool, dry place, ideally on a padded hanger.
  • Steam your dress only if the dress needs it and the fabric can handle it. Ask your dressmaker to confirm.
  • Polish nails at least a day before your wedding. Nail polish on a silk garment can damage the fabric permanently.Bridal petticoat
  • Apply any perfume or hairspray before putting on your dress, as the mist from such products may cause stains.
  • Carefully step into your dress and have your bridesmaids put your shoes on for you.
  • If you’re at an outdoor wedding, protect the bottom of your dress by purchasing a bridal petticoat to gently lift the hem off the ground.
  • In case it rains on your wedding day and you still want to take photos outside, have some parasols on hand and bring a groundsheet to place on wet ground to stand on.

Wedding Dress Preservation Tips – After the Wedding

Assuming your dress survived your wedding day unscathed, don’t forget that there are still additional steps to be taken to properly preserve the dress:

  • Always use white cotton gloves when handling a wedding dress.
  • Lay the dress flat (or hang it properly by loops inside the dress that are connected to sturdy side seams).
  • Bring your dress for cleaning & preservation ASAP after your wedding day. Look for a wedding dress cleaning & preservation expert AKA a “preservationist”. You could also consider purchasing a “wedding dress preservation kit”, which usually includes cleaning & stain removal and an anti-yellowing treatment.
  • Wrap your dress in acid-free paper, then place it in an acid-free or pH-neutral box.
  • To protect your wedding dress from moths and other harmful elements, you can seal it in an airtight container, box it OR bag it. Each option has its pros & cons:
    • Sealing the dress protects it from oxygen, but makes inspection difficult.
    • Boxed dress preservation is perhaps less secure, but allows for periodic refolding of the dress to prevent it from getting creases.
    • Bagging & hanging the dress is the least secure, but keeps the dress protected from dust & light. The dress remains unfolded, so creasing risks are reduced.

How to Buy Wedding Liability Insurance

Adding a Wedding Enhancement Package onto your Front Row Wedding Liability Insurance policy will provide coverage for up to the amount stated on the binder of insurance issued online, if any wedding attire is lost or damaged within 48 hours before or after the wedding whilst in the Insured’s possession.

The Insurer will cover the reinstatement or replacement of the wedding attire or dress hire charges that are necessarily incurred by the Insured. Policies starting at $105.





Topics: wedding insurance

How to Prevent Wedding Crashers

Posted by Grant Patten on Jun 5, 2019 7:04:45 AM

How to Prevent Wedding Crashers

How to Prevent Wedding Crashers

Wedding crashing is the act of attending a wedding celebration without an invitation, particularly when the crashers who show up have a significant impact on the event. This concept was popularized in the 2005 movie Wedding Crashers starring Owen Wilson & Vince Vaughn; however, when wedding crashing happens in real life, it is usually no laughing matter, as you’ll see in the examples below.                                        

In this post, we’ll explain some of the most common motivations behind wedding crashing, we’ll provide some examples of real-world wedding crashing incidents and we’ll wrap up with 7 tips that you can hopefully use to prevent wedding crashing from happening at your wedding.

Motivations for Wedding Crashing

It’s useful to understand some of the many motivations behind wedding crashing so that you can be better prepared and know what to expect. Wedding crashers are most often looking…

  • To steal money or gifts from the bride, groom, or guests.
  • To witness a person they know, such as a relative, friend, or ex get married, even if they were not invited.
  • For something that is offered at the event, such as free catered food or drinks. Some who crash do so only to eat the hors d'oeuvres. Crashing only for the hors d'oeuvres enables the crasher to eat all s/he wants while blending in.
  • For the simple thrill of deviating from social mores & etiquette or defying the culture.
  • To get revenge, such as if the bride or groom is an enemy of the wedding crasher.
  • To attempt to “win back” the bride/groom who was a former lover and/or current romantic interest of the crasher (such as in The Graduate, starring Dustin Hoffman).


Examples of Wedding Crashing Incidents

It’s important to understand that wedding crashing isn’t always fun & innocent, like in the famous 2005 comedy – it often leads to major thefts occurring. For this reason, wedding crashers should be identified and ejected from weddings as expeditiously as possible. Below are some real-life examples of why you should have a zero-tolerance policy for wedding crashers:

In February 2019, KTLA reported that a well-dressed wedding crasher stole a card box filled with cash gifts worth an estimated $10,000 from a Monrovia, California-area wedding.

In October 2018, Erie News Now reported that a woman walked into a wedding reception in Erie, PA, and stole the couple’s wedding card gift box. Before the theft, the woman spoke to several people inside the reception and made herself appear as though she belonged there.

In September 2018, a serial wedding crasher from Eugene, Oregon pleaded guilty to felony charges of aggravated first-degree theft. Brian Keith Starr stole $18,737 worth of items from five Oregon-area weddings that year.

In July 2014, in Norristown, PA, another serial wedding crasher was sentenced to 4 to 8 years in prison. Joseph Patrick Franzone Jr. stole an estimated $15,000 in cash gifts from multiple Pennsylvania-area weddings. Franzone also stole items of sentimental value and precious moments that can never be replaced.

None of the above examples indicate that the married couple had a wedding liability insurance policy in place, but it certainly would have been advisable to have one, in all cases.

7 Tips for Preventing Wedding Crashers

Let’s now review some of the main things to keep in mind in order to prevent crashers from successfully infiltrating your wedding:

  1. Widespread awareness is the key to swiftly identifying and ejecting wedding crashers. Share an article such as this one with your friends, bridesmaids and/or relatives so they’re all at least aware of the wedding crashing risk and know to keep an eye out for anyone suspicious.
  2. Do assigned tables and a guest list, so you know right away who doesn’t belong, e.g., setup a table at the door with a hostess or doorman where guests will provide their name and then be assigned to their table. If they're not on the list, they don't get in. OR ask all guests to carry their wedding invitation with them.
  3. Relatives of the couple should actively identify guests they don’t recognize and strike up conversations with them. Ask how they know the bride/groom and other questions and if the person struggles to come up with some answers, they’re probably a crasher.
  4. Don't post exactly when and where you're getting married online. OR make your wedding website password protected, including the password on the “Save the Date” or similar deliverable that you mail out to invited guests.
  5. Often, crashers will be “accidental”… they may accidentally walk in, looking confused and slowly creep toward the bar to see if it’s an open one. Inform the venue bartender(s) to be suspicious of such people.
  6. Don't get married in a venue with multiple reception spaces. The more reception spaces there are at your wedding venue, the more likely it is that other party guests will knowingly or unknowingly wander into your wedding area. For this same reason, also don't have your reception in a venue with a restaurant attached.
  7. If it is possible to hold a smaller wedding reception with fewer guests, then that should also reduce the likelihood of wedding crashing and theft, as it will be much easier to notice wedding crashers and kick them out.

How to Buy Wedding Liability Insurance

Of course, we at Front Row hope your wedding gifts don’t get stolen but in case they do, having a wedding insurance policy in place would make the incident at least a little more manageable.

Under Front Row’s Wedding Liability Insurance policy, coverage can be included for the wedding presents for loss or damage up to 7 days prior to the wedding date and up to 24 hours after the reception. Policies starting at $105.





Topics: wedding insurance, insurance for wedding

How to Prevent Wedding Gift Theft

Posted by Grant Patten on Jun 3, 2019 10:39:57 AM

Wedding Gift Theft

Wedding Gift Theft

As much as we don’t want to think about such things on the “big day” of our wedding, the fact remains that there are people in this world who do bad things such as steal gifts from weddings. At Front Row Insurance, we’re interested in helping you prevent such an unfortunate occurrence from happening at your wedding. In this post, we’ve provided some examples of real-world wedding gift thefts just to set your awareness levels high, as well as tips & tricks on how to prevent thefts at your wedding.

Examples of Wedding Gift Theft Incidents

It’s easier to understand that wedding gift theft is a very real threat by highlighting some specific examples of such unfortunate incidents occurring. Below are some:

In April 2019, a couple in St. Peters, Missouri had a gift card box with about $2,800 cash in it stolen from their wedding. Like many couples, they had included a gift table with a box on it for people to place cards and money inside.

In September 2018, a serial wedding-gift thief from Eugene, Oregon pleaded guilty to felony charges of aggravated first-degree theft. Brian Keith Starr stole $18,737 worth of items from five Oregon-area weddings that year.

In January 2018, a thief was caught on camera stealing and running away with a gift box from a Rosemead, California-area wedding. The gift box was estimated to contain about $20,000.


In October 2016, a young couple in Buffalo, New York had about 30 cards containing cash and gifts stolen from their wedding reception. The couple had included a gift table with a box on it for attendees to place cards in.

None of the above examples indicate that the married couple had a wedding liability insurance policy in place, but it certainly would have been advisable to have one, in all cases.

Wedding Gift Theft Prevention Tips

Let’s start with some general tips on preventing wedding gift theft:

  • Hire a wedding planner to help you come up with a good plan ahead of time. If you’ve got a wedding planner, then he or she will know who is moving the gifts and best practices regarding where the gifts should be at all times.
  • Make use of a bridal or wedding registry, which assists engaged couples in the communication of gift preferences to guests. You could let the registry know that you prefer to have gifts mailed to your home rather than brought to the wedding at all.
  • Assign a gift table attendant OR have multiple family members take on rotating “gift table watch shifts”. The attendant can “keep an eye on the goods” and also periodically empty the card box if and when it becomes full. Of course, they should be emptying the cards into a secure, private location, e.g., a locked room or safe.
  • If your reception is large (>150 people) and the site is in a high-traffic area, consider hiring security, both to prevent theft and to quash other potential rowdiness. Alternatively, if it is possible to hold a smaller reception with fewer guests, then that should also reduce the likelihood of theft.
  • Pick a wedding venue that is covered by surveillance cameras and clearly state in signage that the area is covered by CCTV. This of course doesn’t necessarily prevent theft from occurring, but it can at least help with deterrence and after-the-fact investigations.

How to Prevent Wedding Gift Card & Card Box Theft

As many wedding thefts seem to be gift cards and/or card boxes, a section with tips specifically on preventing this kind of theft is warranted:

  • Wedding Gift Card & Card Box TheftUse a wedding card box but secure it properly. Don’t just leave the box sitting unsecured on a gift table. Lock the box to the table and, of course, lock the box door.
  • Place the card box in an area that is far away from entrance/exit doors. This will make it more difficult for someone to grab the box and run off.
  • After dinner, remove the card box from the gift table and transport it to a more secure location (once cake has been served, most guests have added their card/gift/money to the box – no need to let it sit out there).
  • Inform guests that you’d be happy to accept digital gift cards instead of physical cards, if that is something they’d like to consider. This eliminates the threat of physical property theft altogether.

How to Buy Wedding Liability Insurance

Of course, we at Front Row hope your wedding gifts don’t get stolen but in case they do, having a wedding insurance policy in place would make the incident at least a little more manageable.

Under Front Row’s Wedding Liability Insurance policy, coverage can be included for the wedding presents for loss or damage up to 7 days prior to the wedding date and up to 24 hours after the reception. Policies starting at $105.





Topics: wedding insurance, wedding insurance quote

Host Liquor Liability Insurance – Consider it for Your Wedding

Posted by Grant Patten on May 28, 2019 10:04:56 AM

Host Liquor Liability Insurance

Host Liquor Liability Insurance

If you’re planning to have alcohol served at your wedding, then it is important to consider adding host liquor liability insurance onto your event insurance policy. Your guests will hopefully behave like responsible adults at all times, but in the event that alcohol fuels a fight where someone gets injured or something similarly troublesome, host liquor liability insurance will cover you.

In this post, we’ll provide an all-encompassing overview of host liquor liability insurance, including an explanation of why it should be considered for weddings and some helpful tips on how to discourage overdrinking at weddings.

What is Host Liquor Liability Insurance?

Guests will generally expect liquor to be available at weddings and as soon as you become the “host”, you suddenly have a burden of responsibility to ensure that nothing bad happens as a result of being connected to the supply of that alcohol.

A host liquor liability insurance policy will protect you against losses or damages in case of claims arising from any alcohol-related incidents that might occur at an event such as a wedding. Such “incidents” might include bodily injury or property damage caused by an intoxicated guest who was served liquor at a wedding.

Liquor Liability Terms to Know

What is the difference between Primary liquor liability coverage and Host liquor liability coverage? The main difference between these coverages is whether or not the individual or company buying the insurance engages in the serving of alcohol as a business.

Example: a bar, pub or restaurant would require primary liquor liability insurance, whereas a couple who only wanted to “cover their bases” during a wedding could get host liquor liability insurance.

What does it mean to be “over-served”? This refers to when a customer is served too much alcohol, placing the liability on the bartender. In the US, there is the “Dram Shop Act,” which makes a business which sells alcohol or a host who serves liquor to a drinker who is obviously already intoxicated, strictly liable to anyone injured by the drunken guest. The best protection against a situation like this occurring at your wedding (aside from doing a dry wedding) is to hire an experienced bartender; they generally know when it is time to refuse someone more drinks.

Liquor Laws & Licenses

A liquor license (or licence) is any license, permit, registration, qualification or other approval required to sell, dispense or distribute alcoholic beverages.

Smart Serve Ontario logoIn Canada, multiple provinces require that events (including weddings) that will be serving alcohol have the servers trained under a server training program. This is to ensure that servers are prepared to make informed choices when they sell, serve or offer alcohol. Regulations vary by province. In Ontario for example, there is Smart Serve and in BC, there is Serving it Right.

In the US, liquor licenses are issued separately by each individual state. In New York for example, there is the New York State Liquor Authority, which offers 30 different permits that can be applied for online. In California, there is the Department of Alcoholic Beverage Control, where alcoholic beverage licenses can be applied for and obtained.

Examples of Alcohol-Fueled Wedding Incidents

More and more, the providers of alcohol are being hit with lawsuits due to alcohol-related accidents at weddings. The venue is usually charged, but the couples holding the wedding are often also named. Examples of alcohol-fueled wedding incidents (where lawsuits may or may not have been involved) include:

In 2018, Daily Mail reported on a wedding in Ludhiana in Punjab, India, where alcohol was being served for free. The wedding day ended in a chaotic brawl (much of it caught on video), with many drunken guests throwing chairs and plates at each other.

In 2014, ABC reported on a wedding in Hobart, Tasmania that ended with the bride in the hospital and the groom and best man under arrest because of an alcohol-fueled brawl at their wedding reception. It took six police units to bring the situation under control.

In 2012, The Telegraph reported that police were called to English soccer player Danny Guthrie’s wedding after a huge brawl broke out on the dance floor. The fight erupted between the groom’s family and the bride’s side as the proceedings neared an end.

None of the above examples indicate that the married couple had a host liquor liability insurance policy in place, but it certainly would have been advisable to have one, in all cases.

How to Discourage Overdrinking at a Wedding

Assuming you’ve ruled out the option of doing a dry wedding (a wedding without any alcohol), then consider these tips to reduce your chances of an alcohol-fueled wedding disaster:

  • A cash bar, so guests have to pay at least a small amount
  • Limited drink tickets, perhaps 2 or 3 per guest
  • Wine- and beer-only bar (no hard liquor shots)
  • Hire an experienced bartender (or two)
  • Serve a “midnight snack;” the food will help absorb alcohol
  • Give guests activities rather than a bar alone, e.g., board games, a photo booth, a scavenger hunt, special dances
  • Remove drunk driving as a possibility by providing a shuttle service from the wedding venue back to the hotel where guests are staying

How to Buy Host Liquor Liability Insurance

Get started by completing the Event Insurance quote form at Front Row, indicating that “Yes, alcohol will be served at the event.” From there, we’ll need to have a third party (usually the wedding venue itself) have their own primary liquor liability policy. This third party must then add you on as an additional insured. This costs an additional premium but is inexpensive and is certainly well worth the effort for the added peace of mind that it brings if you are indeed hosting a wedding where alcohol is being served.





Topics: liquor liability for venues, one day liquor liability insurance, host liquor liability, liquor licence

Preventing Film Equipment Theft – Tips & Tricks

Posted by Grant Patten on May 7, 2019 6:38:08 AM

All this lovely gear was stolen! Don’t let this be your gear. All this lovely gear was stolen! Don’t let this be your gear.

Thanks to cooperation between the FBI, the US embassy and Argentinian federal police, this massive haul of film production gear worth ~$3M was recovered in September 2018. The thieves had apparently targeted equipment in Hollywood and other US cities and then smuggled it into Argentina. As of May 2019, four people have been arrested in the US and 17 suspects have been identified in Argentina.

Film Equipment Theft – Prevention Tips

We’ve provided some tips & tricks for how to guard your film equipment, as well as some information on how to insure your equipment so you are protected in any worst case scenario situations.

1. Exterior/Location Filming

  • Key individuals should be responsible and accountable for transporting equipment from trucks and trailers to the filming set/location
  • There should be a tracking process established for logging equipment in/out when transported between destinations
  • Securely store equipment when not in use, especially hard-to-replace items like custom props, sets and wardrobes
  • Station security personnel within sight of exposed equipment, ideally at all times
  • Heighten security presence whenever filming in crime-ridden neighbourhoods

2. Interior Filming

  • Always favour buildings that have a central security alarm system, and check with building facilities that the system is actually running properly
  • Favour buildings that have security guard personnel on site
  • The building ideally has a concierge who facilitates logging in/approval of visitors
  • If you need to store equipment in the building overnight, double-check that the room is secure and inform security personnel about it

3. Employee/Crew Theft

  • Have written policy in place informing cast/crew that it is unacceptable to take any objects from set as “souvenirs”; clearly communicate policy to cast/crew
  • Conduct reference/background checks on all new employees/crewmembers
  • All employees/crewmembers should wear highly visible ID badges while on set
  • Make use of sign-in/sign-out sheets for entering/exiting locations
  • Conduct inventory checks on regular basis

4. Vehicles (including rental cars, vans and trucks)

  • Ensure vehicles transporting valuable equipment are as nondescript as possible (don’t call attention to the vehicles)
  • Any equipment stored in a vehicle should always be locked and kept out of sight (e.g., covered with blankets)
  • Ideally have multiple drivers available to limit the number of extended stops and take turns monitoring the vehicle during stops
  • If overnight: ideally stay at reputable hotels; hotel parking lots should be well-lit and monitored by cameras and security guards

5. Air Travel (planes carrying production equipment)

  • Always have a clearly marked luggage tag and have a card with emergency contact information placed inside the luggage/container
  • Whenever possible, carry some valuable items onto the plane instead of checking them in, such as laptops and smaller cameras
  • Maintain an inventory listing the shipped items, along with planned shipping itinerary and equipment serial numbers

Consider Film Equipment Insurance – DigiGear

There seems to be no published information on whether or not the equipment involved in the Hollywood-Argentina smuggle was insured. If it wasn’t insured, no doubt, the owners of said equipment were likely kicking themselves after this massive theft occurred.

Avoid a similar fate by insuring your film equipment with Front Row under a DigiGear policy.





Chubb PDF T3-FilmEqTheft-3-19

Topics: Film equipment insurance, Film Insurance, Film insurance broker, Film Equipment, digigear

Are you renting out your church, mosque or other place of worship?

Posted by David Hamilton on Feb 27, 2019 2:31:44 PM

Church worship image

Renting out your faith-based venue? Here’s what you need to know about making sure your renters are able to prove to you the insurance protection you deserve.

If you are an administrator of a church, mosque, synagogue or spiritual venue of any kind, chances are you’ve been asked to rent out your venue for special events such as weddings, birthday parties, meetings, yoga classes or workshops.

Renting your venue is a great way to support your organization’s financial needs and goals but it does come with few warnings and precautions. Whether you’re renting out a small meeting room in your facility or the main hall for thousands of guests, having the right insurance protection ensures you are covered for damage or total destruction of your spiritual space.

The most important way to protect your venue is to ensure whoever is renting from you has the right level of insurance. They need to purchase insurance that considers the following:

    1. Your venue’s capacity and the number of people attending.
    2. Type of event. Are you hosting a wedding, a charity fundraiser, a music show or political workshop?
    3. Will the event include outside food sales or concessions involving alcohol. If alcohol is involved then liquor liability should be purchased.
    4. Key characteristics of your building with respect to rebuilding or repairing damage done by the short term tenant. Have your renter choose a liability limit sufficient to put the facility back into the same shape it was before it was damaged.
    5. Equipment rental coverage. Your renters need to be sure they are covered in case any of the rentals are damaged so that you are not asked to pay for the damage.
    6. Staff safety. Your renter needs to ensure they have full coverage in case anyone gets hurt or injured at their event so that the venue owner is not left paying the medical bills and loss of future earning for the injured person.

Making sure your next renter has the right level of Event Insurance will give you peace of mind that you’re covered in the event that anything goes sideways, which does happen more often than you’d think. We’d love to be your go-to provider. Front Row offers the simplest, most affordable and comprehensive packages available- and you don’t need to meet up in person with us. You can get a quote online in a couple minutes, and a policy is available online in less than 8 minutes - 24/7. Send your next renter our way to our online site to ensure they- and you- are fully covered. If they want to speak in person, we are always happy to pick up the phone.

About the contributor: David Hamilton is CEO+President of Front Row Insurance, one of the world’s largest entertainment insurance brokers. Front Row offers modern online event insurance with no need to talk to a broker. Policies start at $30 and certificates proving insurance coverage for your rented venue are provided immediately at no cost.

To get a quote online, in under 5 minutes click here!

Topics: venue insurance, event insurance, event liability insurance

Our winter newsletter is here!

Posted by David Hamilton on Feb 12, 2019 12:10:27 PM

pug-1210025_1920 (stay warm)

CLICK HERE to see the latest news from Front Row. 

Topics: Errors and Omissions coverage for films, DICE Insurance, Affordable Film Insurance, event liability, art school insurance, Actor body insurance

Candice Huddleston Nieson Joins Front Row Insurance Brokers Inc

Posted by David Hamilton on Feb 7, 2019 12:09:56 PM

February 7, 2019 - On February 4th , 2019 Front Row Insurance welcomed Candice Huddleston Nieson as Account Executive  to our Vancouver office.

Candice has an extensive insurance background with 25+ years of experience in the general insurance.  She has been focusing on Film & Entertainment insurance for the past several years.  Candice brings a great level of experience  and great customer service to our Vancouver office .

Candice can be contacted at:

 Office Phone:604-630-1331

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,and Nashville.


Media Enquiries:

David W. Hamilton

President + CEO

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

Topics: new hire

PROTÉGÉ: Insurance custom-made for arts education

Posted by David Hamilton on Feb 5, 2019 4:49:03 PM


Does your art school work with an insurance brokerage that has specialized knowledge of the arts and entertainment community, and that understands the specific needs of an arts organization?

Protégé is an insurance product custom-designed for art schools by Front Row Insurance Brokers. The program grew organically out of our longstanding engagement with the arts community. We realized that creators are also educators, and that our clients needed an insurance product that could cover their workshops, summer camps, and training seminars. We wanted to create a policy that helps foster creative expression, one that protects teachers and students alike, that helps create safe spaces to learn, where students can take risks, challenge each other, and grow with confidence.

Coverages available include:

  • Studio Property
  • Business Continuity
  • Bodily injury & Property Damage Liability
  • Educators Errors & Omissions
  • Property off Premise
  • Event Cancellation
  • Abuse Liability

Protégé is one of the few policies to offer abuse coverage. Should the unthinkable occur, we have a team of experts in crisis management that can help you navigate the difficult legal and emotional challenges of allegations of misconduct. But more importantly, we’re proactive. We work with you to develop risk management strategies. For example, we can consult on background checks, or the spatial arrangement of rooms, traffic flows, or scheduling. We want to prevent potential hazards from ever happening in the first place, so that students, staff, and parents can build confidence and trust in each other.

That’s why we partnered with Ecclesiastical, one of the top Insurers worldwide for private schools and cultural institutions. They are an insurance company notable for their outstanding goodwill. Owned by a charitable trust, they donate all their annual profits to charities. They have over 120 years of experience, and world-class resources that are made available to you through Protégé.

Protégé is insurance made for creatives by creatives. What? Insurance can be creative! At Front Row, we like to think of ourselves as part of the ecology of arts and entertainment. We don’t just provide services to the arts community – we’re an integral part of it. Give us a call and find out how Protégé can help protect your most valuable asset: the next generation of artists.

Pricing begins at $600 for a small school. To learn more, click here.


About Front Row Insurance Brokers
Front Row Insurance is an independent, Canadian-owned brokerage, specializing in film, television and performing arts insurance. The brokerage has offices in Vancouver, Toronto, Montreal, Halifax, New York, LA and Nashville. Their technical expertise, market leverage and commitment to fair and timely claims settlements has always set them apart from their competitors.

Topics: E&O Insurance, music school insurance, fine art school insurance, art school insurance, film school insurance, dance school insurance, painting school insurance, Abuse liability insurance, abuse insurance

Musical Instrument Theft Prevention: What You Need to Know

Posted by Meghan Stickney on Jan 24, 2019 10:39:53 PM

Musical Instrument Theft_Front Row(1) 

Unfortunately, there seems to be an increase in musical instrument theft as of late, but there are some actions you can take to protect yourself and your band.

We’ve provided some tips and tricks for how to guard your instruments, as well as some information on how to insure your instruments so you are protected in any worst case scenario situations.

1. Anonymity

  • One of the best ways to prevent your instruments from being stolen is to remain as anonymous as possible – in terms of your band and your instruments.
  • Avoid having band stickers on your vehicle and instruments, so that you aren’t a clear target.
  • Tint or paint your windows or buy blinds, so people can’t see into your vehicle, your rehearsal space or any place you store your instruments.

2. Security

  • This one might sound obvious, but there are a few critical steps you can take to make sure that you’re keeping your items as secure as possible. These include the following:
  • Install an alarm.
  • Develop a protocol to make sure that your vehicle is locked at all times. Even when you’re loading in, and may be making several trips to a nearby space. This happens a lot with bands and musicians and presents a target for thieves.
  • Chain all of your gear together in your van or trunk so that if the thief does a smash and grab they will not be able to get away quickly.

3. Parking

  • Many instrument thefts happen overnight, so it is important to be careful about how and where you park.
  • Park your vehicle back against a wall whenever possible so it’s harder to get in the back doors.
  • Park in the underground garage of your hotel rather than the surface lot.
  • Leave your vehicle at a tow truck yard: they are manned 24 hours a day, 7 days a week. The cost is usually reasonable for the protection provided.

4. Keep Records

  • In the unfortunate case that something does get stolen, it’s important that you have the proper records. It helps with the investigation and increases the chances of your property being found.
  • Take pictures of your instruments – this way you’ll have an image to present should something be taken.
  • Keep a record of serial numbers. This way investigators will absolutely know if an instrument is yours or not.
  • Store a copy of the appraisal if the instruments are older than 5 years. Vintage gear will be have the best claims settlement if there is an appraisal to refer to.

 In the unfortunate event that your gear is stolen, you’ll really only be protected from losses if you’ve chosen an insurance provider that specializes in instrument insurance for professionals (like us). Most homeowners policies will not insure instruments and gear used professionally or damage caused by airlines so be sure to source a policy for professionals. This ensures all of your bases are covered and the tools of your trade will be protected.

Many music professionals rely on Front Row for their tour and instrument coverage. We offer the advantage of one-stop online shopping with low rates, flexible options, and excellent service. Buy protection though our website with no need to speak to a broker. For more information on how to insure your instruments, click here

 About the contributor: David Hamilton is President + CEO of Front Row Insurance, one of the world’s largest entertainment insurance brokers that is privately owned in Canada. Front Row specializes in musical instrument insurance for professionals.


Topics: musical instrument coverage, musical instrument insurance company, Musician Liability Insurance