Event Insurance Program Now Includes Lowered Rates for Places of Faith

Posted by David Hamilton on Oct 8, 2019 6:18:52 AM

Front Row Updates Online Event Insurance Program to Include Lowered Rates for Places of Faith

Regeneration Works: Places of Faith

Vancouver, Canada – October 8, 2019 – Front Row Insurance Brokers Inc. is excited to announce that its online event liability insurance program is now available to the Faith & the Common Good network and National Trust for Canada members (together, Regeneration Works: Places of Faith) and their third party user groups.

The online event liability insurance policy is available in all provinces and territories in Canada.

Available online in less than 5 minutes with no need to talk to a broker; policies start at $25 and certificates proving coverage for the venue are free. A no-obligation quote is available any time of the day or night in less than 3 minutes here: https://www.frontrowinsurance.com/regeneration-works-event-insurance

Up to $5,000,000 in liability insurance is available. Costs arising from injury to guests and staff are insured. The protection in the policy will also cover lawyer costs.

“We wanted to make the insurance process easier, faster and less expensive for people who utilize short term space in faith buildings,” says 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 event insurance is much less and we have passed the savings onto the customer of the short term rental. Although the policy is online, we are still available to answer questions by chatbot, email or over the phone.”

“If you’re an administrator of a spiritual venue of any kind, chances are you’ve been asked to share your venue for special events such as: weddings, birthday parties, meetings, yoga classes or workshops,” continues Hamilton. “We recognized that the many beautiful places of faith need to be protected, so we created special rates in our online event insurance program specifically for them.”

Available to buy online at https://www.frontrowinsurance.com/regeneration-works-event-insurance, Front Row’s event insurance policy also protects: anniversary parties, bar & bat mitzvahs, book signings, fashion shows, lectures, film screenings, holiday parties and more.

“Having worked with faith communities across Canada, it has become clear to our two organizations that quick, reliable access to insurance for third party users is a barrier to the sharing of faith buildings,” says Kendra Fry, advisor to the Regeneration Works: Places of Faith program. “We wish to encourage the broader use of these buildings, so we’ve worked alongside Front Row to devise an online portal to be used by any user of faith buildings. With this tool at their disposal, faith communities should be able to open their space to more good community works.”

Download PDF here

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About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts, entertainment and faith communities to provide insurance for the lowest 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 Vancouver, Toronto, Montreal and Los Angeles. Visit their website at https://www.frontrowinsurance.com.

About: Faith & the Common Good is a national, interfaith charitable network founded in 2000 on the belief that our diverse faith congregations and spiritual communities can be powerful role models for the common good. FCG supports diverse faith and spiritual communities to contribute towards greener, healthier, more resilient neighbourhoods. Visit their website at https://www.faithcommongood.org.

About: National Trust for Canada is a national charity that leads and inspires action for places that matter. Our sites, projects and programs engage Canadians, enhance local identity, and bring heritage to life. Visit their website at https://nationaltrustcanada.ca.

For more information, contact:      
David W. Hamilton, President + CEO
602-1788 W Broadway
Vancouver, B.C., V6J 1Y1
P 604 684 3456
david@frontrowinsurance.com

Regeneration Works: Places of Faith

Topics: event insurance, online event insurance

Front Row Supports the Global Climate Strike

Posted by Grant Patten on Sep 24, 2019 1:09:42 PM

FRONT ROW SUPPORTS THE GLOBAL CLIMATE STRIKE

FRONT ROW SUPPORTS THE GLOBAL CLIMATE STRIKE

#unitedforclimate #greencircle

On Sept. 11, we posted about how we offset all carbon emissions created as a result of flights taken for our business. As an extension of that post, we would like to declare our support for the ongoing Global Climate Strike and we encourage all Front Row employees and customers to also support these strikes, as they are calling attention to one of the biggest issues of our time – climate change. Of course, we recognize that carbon offsetting is not a solution to climate change and stronger action is required from both public and private sectors.

The September 2019 Climate Strikes

The ongoing September 2019 climate strikes have likely been the largest climate strikes in world history. Organizers reported that over 4 million people have participated in strikes worldwide.

These strikes come out of the “School strike for climate” movement, an international movement of students participating in demonstrations to demand action to prevent further global warming. The movement began in 2015 when an independent group of students invited other students around the world to skip school on the first day of the 2015 United Nations Climate Change Conference in Paris and make the following demands:

  • 100% clean energy
  • Help “climate refugees” (people forced to leave their home due to sudden or long-term changes to their environment)

It was teenage environmental activist Greta Thunberg who brought the movement to global attention. On 20 August 2018, she protested by sitting outside the Riksdag during school hours with a sign that read "Skolstrejk för klimatet" ("school strike for the climate"). She has inspired students across the globe to take part in similar climate strikes.

Friday, September 27, 2019 – Global Strike for Climate Justice

This Friday, September 27, there will be a Global Strike for Climate Justice in many towns and cities across the world. View the interactive map on https://globalclimatestrike.net to find a climate strike happening near you and consider joining in. We have listed below a selection of climate strikes happening in some major Canadian cities:

Vancouver – General Strike! for Climate Action – Sept. 27, Vancouver City Hall, 1PM

Vancouver – General Strike! for Climate Action

 

Toronto – Global Strike for Climate Justice – Sept. 27, Queen’s Park, 11A

Toronto – Global Strike for Climate Justice

 

Montréal – Crise climatique, manifestation historique – Sept. 27, Mt. Royal Park, 12PM

Montréal – Crise climatique, manifestation historique

 

Halifax – K'jipuktuk – Sept. 27, Victoria Park, 11AM

Halifax – K'jipuktuk

 

Citations:

https://en.wikipedia.org/wiki/September_2019_climate_strikes
https://globalclimatestrike.net/

Front Row’s Carbon Offset Commitment

Posted by Grant Patten on Sep 11, 2019 10:24:55 AM

Front Row’s Carbon Offset Commitment

carbon offsets

“Canada declares national #ClimateEmergency. It’s great that more countries and regions are doing this. But remember: The fossil fuels must stay in the ground. Forget “climate neutral” and clever accounting. Our emissions must start their way to zero. Now.”
Greta Thunberg, teenage environmental activist | Twitter post (06.18.2019)

In this post, we’ll explain: the cost of a flight offset, corporate social responsibility (CSR) and carbon offsets, review some of the history of carbon offsetting, look at some examples of companies doing an effective job with CSR and conclude with a listing of some carbon offset vendors to consider.

What Does It Cost to Offset a Flight?

Front Row offsets all carbon emissions created as a result of flights taken for our business. The total emissions created for a flight from Vancouver to Toronto in economy is 1.294 tonnes. The cost for a gold offset is $32 per tonne, resulting in a reasonable cost of $41.42 each way.

The cost to offset your flight can be calculated in less than 30 seconds by using this link to Less Emissions.

Corporate Social Responsibility & Carbon Offsets

Corporate social responsibility (CSR): a type of international private business self-regulation. A company's sense of responsibility toward the community and environment (both ecological and social) in which it operates.

Carbon offset: an action intended to compensate for the emission of carbon dioxide into the atmosphere as a result of industrial or other human activity, especially when quantified and traded as part of a commercial program.

Front Row Insurance is an organization that takes CSR seriously. We demonstrate our commitment to CSR primarily through the implementation of a carbon offsets program: all flying that is done by Front Row has a carbon offset through Less Emissions Inc. Through Less, customers can calculate and purchase offsets to help mitigate the greenhouse gas emissions associated with air travel.

The History of Carbon Offsets

The carbon offsets idea likely originated with the Kyoto Protocol, signed in 1997 by many countries (and which Canada withdrew from in December 2012). The Kyoto Protocol has sanctioned offsets as a way for governments and private companies to earn “carbon credits” that can be traded on a marketplace.

In June 2019, The House of Commons passed a motion to declare a national climate emergency in Canada. A report from Environment and Climate Change Canada released in April found that Canada is warming up at twice the rate of the rest of the world; this situation requires that Canada commit to meeting its national emission target under the Paris Agreement.

Although Canada officially withdrew from Kyoto, there are many grassroots initiatives across the country focused on promoting the reduction of emissions, such as Montreal’s climate march on Sept. 27 2019, which has invited Greta Thunberg (the 16-year-old Swedish environmental activist) to participate. This event is part of Global Climate Week from Sept. 20-27.

Examples of Effective Corporate Social Responsibility

Well-known companies that seem to be doing a good job of CSR include:

  • Swiss Re: this reinsurance company charges its business divisions a fee based on their emissions, incentivizing them to reduce their carbon footprint while also raising funds that can then be reinvested in energy efficiency/used to purchase offsets.
  • Vancity: Vancouver City Savings Credit Union has increased its holdings of clean tech and renewable energy companies. The company has been integrating environmental, social and governance factors into its investment decisions.
  • Johnson & Johnson: this medical device company’s initiatives range from leveraging the power of wind to providing safe water to communities around the world.
  • Coca-Cola: they have invested in new alternatively fueled trucks and are intending to create a 25% reduction in their carbon footprint by 2020.
  • The Lego Group: in 2015, they announced plans to invest $150 million as part of an effort to make their iconic plastic building blocks better for the environment and make their packaging more sustainable (like cutting the size of packages).

Benefits of Carbon Offsets Program

There are benefits to both the general public and to companies when it comes to carbon offsets.

General public benefits:

  • Reduced pollution (in the future): the funds companies invest in offsetting normally go toward green technology projects that should, when completed, reduce the amount of greenhouse gases in the atmosphere, which obviously benefits the public at large.
  • Reputational benefits: people generally like having the reputation of being environmentally conscious and aware. People who buy offsets for their cars often receive a window decal to make others aware of their carbon neutrality, for example.

Company benefits:

  • Good PR & branding: offsetting carbon emissions engenders a certain amount of goodwill, both of the general public and certain investors; companies often like to take advantage of this opportunity to advertise their eco-friendliness in the marketplace.
  • Anticipation of regulation: companies can get “ahead of the curve” by proactively taking some measures to offset their carbon emissions and when government regulation inevitably comes, they will have something already to show regulators.
  • Tax deduction potential: if purchasing carbon offsets from a non-profit, under certain circumstances, the purchase could be considered a charitable donation and therefore tax deductible (depends on the carbon offset vendor).

How to Implement a Carbon Offsets Program

There are various carbon offsetting vendors that can be considered, including:

 

related:

FRONT ROW SUPPORTS THE GLOBAL CLIMATE STRIKE

 

Citations:

Disgrace Insurance in the Film Industry: A Growing Concern

Posted by Grant Patten on Aug 26, 2019 8:42:45 AM

Disgrace Insurance

Disgrace Insurance in the Film Industry

“You find out who your real friends are when you're involved in a scandal.”
Elizabeth Taylor

In this post, we’ll explain disgrace insurance and look at some of the interesting history behind this policy, we’ll review some infamous “disgrace events” and conclude with an overview of the main reasons why this policy should be considered.

What is Disgrace Insurance?

A standard Lloyd’s contract defines disgrace as “any criminal act, or any offence against public taste or decency … which degrades or brings that person into disrepute or provokes insult or shock to the community.”

Disgrace insurance compensates companies for the loss of irretrievable production costs or the expenses of altering a promotional campaign due to an unforeseen disgraceful act.

The History of Disgrace Insurance

Scandals in the film industry have been around since practically the start of the industry, of course, but in today’s digital era, they are compounded and often carry a significant financial toll on the companies involved. Stories about disgraced celebrities used to come out of one or two tabloid newspapers. Today, anything a star does is instantly on the Internet and spread through social media, so production companies and studios are rightly growing more concerned.

A little-known clause called “Death & Disgrace” was once a common feature of film insurance policies. This generally included protection for up to a year from the completion of filming in case of death or disgrace. But it is now uncommon for such a clause to be built into standard film insurance policies; this coverage would likely have to be purchased separately.

Under the old studio system (roughly, between the 1920s and ‘60s), film financiers were in control — their stars’ transgressions were therefore easier to cover up and their contracts easier to tear up.

Disgrace insurance arose in the 1980s alongside the popularity of the “celebrity endorsement”, which financially protects a celebrity’s employer in case he or she gets caught up in a scandal. Companies needed a way to shield themselves from financial losses should a star commit a crime or otherwise taint the reputation in which the brand had invested.

A subsidiary of insurance giant AIG began offering disgrace insurance in 1994, describing it as an extension of the entertainment insurance coverage the company had long been writing – mainly insuring bands performing at their concerts.

Examples of Disgrace Events

via GIPHY

  • 2019 college admissions bribery scandal: actress Felicity Huffman, among others, are in hot water after paying William Rick Singer, organizer of this scheme, to fraudulently inflate entrance exam test scores and bribe college officials to get their children into prestigious colleges. This scandal has negatively impacted Huffman’s film Otherhood.
  • Kevin Spacey’s erasure: due to the sexual assault allegations against Spacey, it was announced on November 8, 2017 that all of his footage from All the Money in the World would be excised, and that Christopher Plummer would replace him. The reshoots ended up costing $10 million.
  • #MeToo— Miramax’s implosion: in October 2017, more than a dozen women accused film producer Harvey Weinstein of sexually harassing, assaulting and/or raping them. These allegations had a negative brand impact on Weinstein’s company, Miramax, LLC, which as of August 2019 is in the bidding process to be sold to another company.
  • Ghomeshi's dismissal from Q: Jian Ghomeshi was fired from the CBC in October 2014, amidst mounting allegations from women that he had sexually assaulted them. The CBC had to scramble to find a new host of Q and auditioned many potential replacements over a number of months. The costs associated with this would be covered under a disgrace insurance policy.

Benefits of Disgrace Insurance

A well-placed disgrace insurance policy can:

  1. Cover the cost of reshoots: if the situation with a disgraced celebrity is deemed bad enough to warrant a full reshoot with a new actor, disgrace insurance would cover a significant portion of this reshoot cost.
  2. Protect a company’s investment revenue: companies often have millions tied up in endorsements or investments, so when the proverbial “hits the fan,” financiers stand to lose big time. Bad PR for the company brand = less investment from financiers.
  3. Protect a company’s brand: companies have all seen the negative effects that a disgraced celebrity can have on their revenue, but to recover and rebuild brand awareness could take many years. Disgrace insurance can cushion this blow.
  4. Protect a company’s marketing spend: disgrace insurance can help a company recover wasted expenditure on advertising and airtime costs in the event that a contracted celebrity falls from grace or dies. Netflix, for example, took a $39 million loss on deciding not to move forward with House of Cards and Gore after the aforementioned Spacey scandal, after marketing had been invested in both.

How to Buy Disgrace Insurance

We’re working on offering a disgrace insurance policy at Front Row in the near future. Please contact us if you’d like more information.

 

Citations:

Hard vs. Soft Insurance Markets Explained (with Video!)

Posted by Grant Patten on Aug 19, 2019 7:23:39 AM

Hard vs. Soft Insurance Markets Explained


FILM PRODUCTION INSURANCE
SHORT SHOOT INSURANCE FOR FILMMAKERS
EQUIPMENT INSURANCE FOR FILMMAKERS - DIGIGEAR

What exactly is the difference between a hard and soft insurance market?

A “hard” market is characterized by a high demand for insurance coverage and, therefore, a reduced supply. Payouts may have increased and profits may have declined. As a result, insurance companies are less inclined to take on new business. The requirements to obtain insurance are stricter and premiums are more expensive.

Classic characteristics of a hard market include:

  • Higher insurance premiums.
  • More stringent underwriting criteria.
  • Reduced capacity, which means insurance carriers offer less coverage or limits.
  • Reduced competition among insurance carriers.

During a “soft” market, there is much competition between companies. Premiums are stable, if not falling. It’s fairly easy to get coverage for all kinds of risks. As someone looking to buy insurance, you may have a variety of options from which to choose and underwriting rules are less stringent.

Classic characteristics of a soft market include:

  • Lower insurance premiums.
  • Relaxed underwriting criteria.
  • Increased capacity, which means insurance carriers write more policies and higher limits.
  • Increased competition among insurance carriers.

As of Summer 2019, a hard market is expected in Canada over at least the next 12 months. We’re already seeing rating increases, especially on commercial property. As an insurance customer, then, you may be wondering, what is the reason for such price increases? Well, the insurance market is inherently cyclical and has “corrections” that involve premium price increases. Prices are rising for a number of reasons, including an increase in weather-related claims and auto insurance claims. Low interest rates are also a contributing factor.

We’re in a data-driven hard market today. With all the easily accessible data now available, insurance companies can pivot faster than ever before. In commercial lines, for example, insurers are getting out of different lines of business faster than in prior years. Once they see losses growing in one area, they will quickly shift out of that line of business. This also contributes to a hard market.

In Canada, we had been in a soft market for, roughly, the past seven years. There had been virtually no rating increases (including simple inflationary increases) for many years. There has also been some capacity pulled out of the broader insurance market – eight Lloyd's of London syndicates shut down at the end of 2018, for example.

In a July 2019 Canadian Underwriter interview, speaking on reasons for these price increases, Albert Benmichol, CEO of AXIS Capital said, “We believe the industry is appropriately reacting to loss trends that have deteriorated over the last few years and have exacerbated the negative impact of several years of price declines. We believe that pricing action will continue into 2020 and perhaps longer.”

Nevertheless, even in a hard market, rest assured that at Front Row, we remain committed to offering customers the best price for the best coverage. Our size gives us leverage with the insurance companies that we use to benefit you.

 

References:

Auto Insurance vs. Wedding Insurance – Comparison and Contrast

Posted by Grant Patten on Aug 8, 2019 6:47:46 AM

Auto Insurance vs. Wedding Insurance – Comparison and Contrast

Auto Insurance vs. Wedding Insurance – Comparison and Contrast

“You wouldn't think of not insuring your car, so why wouldn't you insure your wedding?”

In this post, we’ll compare and contrast auto insurance to wedding insurance, making three points as to why anyone should consider purchasing both insurance policies. We’ve also designed an infographic to convey these points visually.

Point 1: The investments are comparable. So why not insure both?

The cost of a new car is, on average, approximately $37,000 according to data published by Kelley Blue Book. And the cost of auto insurance is approximately $2,500 a year.

According to the annually published Real Weddings Study from The Knot, the average cost of a wedding in the US has risen to $33,931. And the cost of wedding insurance is approximately $300. Given these similar capital costs but the much lower insurance cost for a wedding, it makes sense to go ahead and insure not just your car but also your wedding.

A wedding insurance policy can help protect couples against the most common wedding insurance claims, such as vendor problems, alcohol-fueled guest injuries, severe weather and property damage. In 2018, 41% of Travelers’ wedding claims were due to vendor issues and 22% were due to property damage caused by wedding day accidents. Severe weather events also factored into a significant amount (18%) of claims.

Point 2: One is legally mandated, the other isn’t, but laws and history can change…

Of course, you’re required to insure your car, but no one forces you to insure your big day. But this may not always be the case. Nowadays, we take auto insurance for granted – of course it’s legally required! But there was a time – pre-1930 – when the idea of legally requiring auto insurance was actually quite controversial and engendered much public debate.

Widespread use of the motor car began after WWI in urban areas. Cars were relatively fast and dangerous then, yet there was still no mandatory form of auto insurance anywhere in the world. This meant that injured victims seldom got any compensation in an accident and drivers faced considerable costs to repair their car. Finally, a mandatory auto insurance scheme was introduced and debated in the UK with the Road Traffic Act 1930; Germany followed up with similar legislation in 1939.

Similarly, we’ve seen more and more unfortunate incidents occurring at weddings around the world, including serious injuries to guests (often caused by alcohol-fueled parties) and significant financial losses to the couple due to event cancellation or wedding gift theft. Here are just some examples of such incidents:

  • 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 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 December 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 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 November 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.

These examples all attest to the fact that – while obviously not as deadly as auto-related incidents – wedding-related incidents are nevertheless quite serious and have real negative impact on all involved. It is conceivable, then, that as such unfortunate incidents become more and more common, public sentiment will eventually turn toward making wedding insurance mandatory.

Point 3: Additional coverage can (and likely should) be added onto both policies.

When someone purchases auto insurance, their assumption is often that they’re covered under all circumstances. However, if they don’t have comprehensive insurance, their vehicle won’t necessarily be protected in situations like theft, vandalism and weather damage. It would be ideal to get comprehensive coverage to cover incidents beyond car crashes.

Similarly, a basic wedding insurance policy normally provides General Liability Coverage for damage to the wedding venue and injury to third parties. Additional wedding insurance coverage that should be considered includes (but is not limited to):

  • Rented Equipment
  • Wedding Cancellation Insurance
  • Honeymoon Cancellation Insurance
  • Wedding Cake, Flowers, Rings, Presents & Gifts
  • Wedding Photography and Videos
  • Failure of Wedding Suppliers

How to Buy Wedding Liability Insurance

Under Front Row’s Wedding Liability Insurance policy, coverage can be included for various risks under a custom Wedding Enhancement Package, including wedding gift theft, host liquor liability, damage to wedding attire including the bridal gown and damage to the wedding cake. Policies starting at $105 and the coverage can be purchased online in six minutes or less without having to talk to a broker.

Auto Insurance vs. Wedding Insurance – An Infographic

Auto-vs.-Wedding-infographic-forweb


Citations:

https://www.birchwoodcredit.com/blog/what-is-the-average-price-of-a-car-in-canada-in-2019/

https://www.insurancebusinessmag.com/us/news/breaking-news/2-become-1-avoiding-disaster-on-your-wedding-day-174358.aspx

https://en.wikipedia.org/wiki/Vehicle_insurance#History

https://jefferyandspence.com/blog/auto-insurance-fiction-or-fact/

Free eBook: https://www.frontrowinsurance.com/wedding-insurance-101

Book Launch: Film Insurance 101 & How to Protect Your Film Project

Posted by Grant Patten on Aug 2, 2019 11:17:51 AM

BOOK: FILM INSURANCE 101 & HOW TO PROTECT YOUR FILM PROJECT

Film Insurance 101 & How to Protect Your Film Project

We at Front Row Insurance are pleased to announce the publication of our book on Amazon, Film Insurance 101 & How to Protect Your Film Project. Available in both eBook and Paperback formats. Learn how to protect your film project with information on all the different film insurance policies available (E&O, DICE, short shoot, etc.), including advice on how to reduce your project’s overall risk.

The manual includes:

  • Brief descriptions of the various types of coverage available to the Entertainment Industry
  • Coupon codes with discounts on various insurance policies amounting to $300 IN SAVINGS, including $150 in film/photo insurance policy savings. Coupons valid in Canada only

The eBook can be purchased on Amazon.ca for only CDN $0.99 or on Amazon.com for only USD $0.75 ! Paperback only a few dollars more. Considering the insurance policy coupons with substantial savings included right inside the book, this is clearly a great deal.

Contents:
FILM PRODUCTION INSURANCE: WHY IT IS NEEDED
PRE-PRODUCTION INSURANCE
FILM PRODUCTION INSURANCE
HOW THE PREMIUM IS DETERMINED
PREMIUMS: ONE WAY TO SAVE MONEY
INSURANCE FOR YOUR SHORT FILM
DIGIGEAR EQUIPMENT INSURANCE
PROPS/SETS/WARDROBE INSURANCE
ERRORS AND OMISSIONS INSURANCE COST
E&O: WHAT FILMMAKERS NEED TO KNOW
TITLE REPORTS: WHO NEEDS THEM?
SCRIPT INSURANCE CLEARANCE REPORTS
FAIR USE AND E&O INSURANCE FOR FILMMAKERS - PART 1
FAIR USE AND E&O INSURANCE FOR FILMMAKERS - PART 2
INVASION OF PRIVACY AND FALSE LIGHT ACCUSATIONS
WHAT IS A DICE POLICY?
THIRD PARTY PROPERTY DAMAGE LIABILITY
RENTING CREW PERSONAL VEHICLES
UMBRELLA VS. EXCESS LIABILITY
WATERCRAFT USE
HELICOPTER FILM INSURANCE
COMMERCIAL GENERAL LIABILITY
NEGATIVE FILM & FAULTY STOCK INSURANCE
WORKERS COMP
CAST INSURANCE 
EE CAST INSURANCE
EXTRA EXPENSE 
IMMINENT PERIL COVERAGE
INGRESS & EGRESS COVERAGE
FOREIGN LOCATIONS EXPLAINED
CLAIMS: WHAT TO DO WHEN PRODUCTION STOPS
DISCOUNT/COUPON CODES

Benefits of Hiring a Wedding Planner

Posted by Grant Patten on Jun 18, 2019 6:12:18 AM

Benefits of Hiring a Wedding Planner

Benefits of Hiring a Wedding Planner
31% of engaged couples seek the help of a wedding planner to assist with their wedding. (Wedding Wire survey, 2017) We at Front Row Insurance anticipate that percentage to continue to increase over the coming decade, as more and more couples will come to realize that reducing their stress by hiring a good wedding planner is well worth the investment.

In this post, we’ll look at some of the brief history of the wedding planning profession, look at the main benefits of hiring a wedding planner and conclude with some helpful tips on what to look for when hiring a wedding planner.

The History of the Wedding Planner

The Wedding Planner Movie PosterThe concept of a wedding planner perhaps first came to widespread public attention with the release of the 2001 romcom The Wedding Planner starring Jennifer Lopez and Matthew McConaughey. Although the movie received generally negative reviews, it was a box office hit and no doubt helped the wedding planning profession as a whole.

Wedding planning is a relatively young profession, as through most of time weddings were simply planned by the families themselves. But today, with the average wedding costing ~$28,000 USD, if you’re already making such a substantial investment, it makes sense to hire a dedicated consultant to manage the complexity of it all.

Benefits of Hiring a Wedding Planner

Let’s look at some of the primary benefits of hiring a wedding planner:

  • Time savings: the average wedding takes 200+ hours to plan. As the bride or groom, you’d likely prefer being able to hand off those administrative & coordination duties to an experienced professional, so you can enjoy the anticipation of your wedding.
  • Relieves stress: along with purchasing a Wedding Insurance policy, one of the most effective ways to have a less stressful wedding is to hire an experienced wedding planner. You simply won’t have to worry about as much and if something does go wrong on the wedding day, a good planner will be there to put out any fires.
  • Fresh ideas: wedding planners will usually strive to provide you with a more special & unique wedding than you would have had without hiring one. Planners generally know both the latest trends and classic ideas for wedding inspiration, so they’ll attempt to deliver something more than just a “cookie-cutter wedding”.
  • Valuable advice: an experienced wedding planner will know the “ins and outs” of the wedding industry, including great venues to consider and the best caterers, bands, DJs and florists in the area (or at least acceptable ones to fit your budget).
  • Foreign country knowledge: if you’re planning a destination wedding where the documentation and paperwork can be complicated, a wedding planner becomes almost essential. Any country where a wedding is held requires different procedures depending on the nationalities of the bride and groom. E.g., US citizens marrying in Italy require an affidavit sworn in front of the US consulate in Italy. A wedding planner can take care of these oft-complicated procedures.

Wedding Planner Selection Tips

via GIPHY

What should you look for when trying to decide on a wedding planner, then? Here are some tips to help you find a good one:

  • A free consultation: professional wedding planners will offer a free consultation so they can get to know you and your wedding vision and determine if they're a good fit for you.
  • Gauge the “chemistry”: at the consultation, instead of an “all-business meeting”, also try some informal small talk with the planner and get to know them. If conversation flows easily between you, then that is a good sign that there is some chemistry and you’ll be comfortable working with your planner.
  • Consider the services: what services will you really need for your wedding, and what does the planner cover? Some planners offer all-encompassing packages, whereas others are more à la carte. Maybe you only need a day-of coordinator instead of someone to pre-plan the entire wedding, for example.
  • Review their portfolio: most experienced planners will have some kind of portfolio that you can look at to view their work on past weddings. Ensure that the overall style of at least some of their past weddings matches what you’re going for.
  • Check their references: ask the planner to provide you with contact information for a few of the couples they had as prior clients. Take the time to call these references and ask some helpful questions, such as:
    • What was the planner like to work with?
    • How quickly did the planner respond to texts, emails, ?
    • How closely did the planner stick to your budget?
    • Was the wedding’s style exactly what you wanted?
    • Any constructive criticism of the planner?

How to Buy Wedding Liability Insurance

Consider adding on your wedding planner as an additional Insured to your wedding insurance policy. A certificate can be issued to the wedding planner. This maintains the professional aspect of everything and protects everyone involved.

Under Front Row’s Wedding Liability Insurance policy, coverage can be included for the wedding planner under a custom Wedding Enhancement Package. Just let us know that you’re interested in adding on your planner as an additional Insured. Policies starting at $105.

Wedding planners should also consider purchasing their own Annual General Liability policy to protect them year-round when working for their wedding clients. If you’re a wedding planner interested in such a policy, contact Front Row Insurance and let’s discuss.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

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Topics: wedding insurance

How to Protect Your Wedding Cake

Posted by Grant Patten on Jun 14, 2019 7:43:35 AM

How to Protect Your Wedding Cake

How to Protect Your Wedding Cake

The wedding cake is a centerpiece to any wedding and should certainly be treated with just as much care as other important elements of your wedding, such as the wedding dress, the wedding gifts and the wedding ring. Wedding cakes have been present at wedding ceremonies for centuries and are rife with symbolism. In this article, we’ll take a look at some of the interesting history behind the wedding cake, we’ll review some examples of awesome cakes from past weddings and we’ll conclude with some tips on how to best protect your wedding cake.

The History of the Wedding Cake

Why a wedding cake? Why not some other food to celebrate marriage? Well, the tradition of the wedding cake goes back to Ancient Rome, where a cake of wheat or barley was broken over the bride’s head to bring good fortune to the couple.

first completely edible wedding cakeDuring the 16th and 17th centuries in Europe, the wedding cake was actually more of a pie, the “bride’s pie”, normally consisting of an assortment of oysters, lamb testicles and pine kernels. Mmm, tasty! By the 19th century, the bride’s pie had transformed into the modern wedding cake that we know today.

For much of history, sugar was too expensive for most families to afford. But by the 19th century, sugar had become cheaper and it was easier for working-class families to imitate the weddings of the rich, such as the wedding of Queen Victoria & Prince Albert in 1840, which featured a prominent white wedding cake.

The first completely edible wedding cake originated at the 1882 wedding of Prince Leopold, Duke of Albany. This wedding cake was created in separate layers with stacked tiers, a groundbreaking innovation for wedding cakes at the time.

Examples of Awesome Wedding Cakes

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

Princess Eugenie & Jack Brooksbank's 400-egg treat (wedding 12 October 2018).

Princess Eugenie & Jack Brooksbank's cake

 

Chelsea Clinton & Marc Mezvinsky’s gluten-free wedding cake (wedding 31 July 2010).

Chelsea Clinton & Marc Mezvinsky’s cake

 

Princess Diana & Prince Charles' 5-foot+ tall wedding cake (wedding 29 July 1981).

Princess Diana & Prince Charles' cake

 

Elvis & Priscilla Presley's 6-level wedding cake (wedding 1 May 1967).

Elvis & Priscilla Presley's cake

Wedding Cake Protection Tips – Before & During the Wedding

Let’s look at some tips on how to protect your wedding cake from damage before & during the wedding, and also some tips on how to preserve the cake if you choose to do so:

  • Make sure your cake table is set and ready by the time your cake arrives. It's ideal to have your cake delivered right before the wedding starts.
  • Choose cake display position based on the sun, if outside. E.g., you wouldn’t want to put your cake table on the sunny side of your tent, as this will cause melting.
  • Choose a lighter colour for your cake, especially if it will be displayed outside in hot weather. Dark-coloured frosting will melt more easily in the sun.
  • Use a glass cover if your cake is able to fit inside one. If outside, this will prevent bugs from landing on and sticking to your cake.Faux tiers cake
  • Have a canopy over the cake table so there is some type of shade, if outdoors.
  • Indoors, the venue should definitely have ample air conditioning.
  • Consider asking your cake designer about inserting some faux tiers. Faux tiers help stabilize a cake and keep it in place.

Of course, different cake types will have different storage and care needs depending on the ingredients used, so be sure to talk to your cake designer about what they recommend.

 

Wedding Cake Preservation Tips – After the Wedding

Cake top tier

It is a tradition to save, freeze and store the cake’s top tier for after the wedding. In case you’d like to do this, keep these tips in mind:

  • Allow the cake to harden before you begin wrapping to preserve the integrity of the icing.
  • Remove any ornaments and decorations from the cake before wrapping.
  • Cover the cake with plastic wrap and aluminum foil, making sure to wrap airtight.
  • Place the cake in an airtight freezer container.
  • If storing the cake inside a freezer with other food, include a box of baking soda in the freezer to absorb any smells.
  • Talk to your cake designer and/or wedding planner about potentially assisting with the post-wedding cake preservation.


How to Buy Wedding Liability Insurance

Adding a Wedding Enhancement Package onto your Front Row Wedding Liability Insurance policy will cover the Insured, following loss or damage to any wedding cake during the period of 7 days prior to the wedding date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online, whilst at the Insured’s home or at the reception location shown on the individual binder of insurance issued online or in transit between these locations. Policies starting at $105.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS: 

Topics: wedding insurance

6 Tips to Protect Your Wedding Flowers

Posted by David McLeish on Jun 13, 2019 6:29:20 AM

Protect Your Wedding Flowers

Protect Your Wedding Flowers

The History of the Wedding Flower

Flowers are an integral part of any wedding. The use of flowers during wedding ceremonies developed out of the ancient practice of adorning brides and grooms with aromatic herbs and garlic, to ward off evil spirits and give the happy couple an auspicious start. Gradually, herbs and spices gave way to aromatic flowers.

The oldest known book on flower-arranging is Japanese and dates from 1445. Flower-arranging as an art form was brought to Japan by Buddhist monks, who learned it while in China.

Golden Apple of Discord: did you know that the practice of the bride throwing a wedding bouquet over her shoulder for a single woman to catch comes from Greek mythology? The goddess Eris tossed an apple in the middle of the feast of the gods at the wedding of Peleus & Thetis as a prize of beauty, thus sparking a dispute among Hera, Athena, and Aphrodite that led to the Trojan War!

Floriography is communication through the use or arrangement of flowers. Ultimately, flowers will have different meanings for different people and cultures, so it’s just about selecting what feels right to you. Can’t think of the flowers that would make sense for your wedding? Well, you could always consult an online flower dictionary (in case you didn’t know that was a thing).

Arrangements today are used mostly for their decorative and visual appeal. Enter Instagram, Kim & Kanye. Kim’s impressive wedding day flower wall was built to match her Givenchy dress!

Kim’s impressive wedding day flower wall

 

Most Popular Wedding Flowers

Some flower types are more suited to weddings than others. Let’s review some of the most popular flower types for weddings:

  • Rose: of course we must begin with the classic rose, widely considered a symbol of beauty & love; you cannot go wrong with these at your wedding.

Wedding rose

  • Nosegay: these small flower bouquets are especially suited to weddings.

Nosegay

  • Ranunculus: ideal for spring, summer or fall weddings, the budget-friendly & cheerful ranunculus has yellow or white bowl-shaped flowers.

Ranunculus

  • Peonies: showy flowers ideal for spring or summer weddings, traditionally pink, white or red.

Peonies

  • Hydrangeas: with rounded or flattened flowering heads of small florets, hydrangeas are a beautiful choice for any wedding.

Hydrangeas

 

6 Tips to Protect Your Wedding Flowers

Flowers are delicate things and need to be protected. Wedding flowers can be insured as part of a wedding insurance package, but that will only help save the day if you discover the damage in time to submit a claim and order replacements (there are other things insurance can cover—we’ll talk about that later). Also, some things that can damage flowers won’t be covered by an insurance policy, like mold, mildew & spores, improper handling, or wear and tear. Here are some pro tips to help get those flowers to the ceremony safe and fresh as a dahlia.

  1. Unbox & Bucket

Get your flowers out of their boxes and into water buckets as soon as possible. Keep the boxes so you can transport the flowers later. Remove any plastic wrapping, paper, foam, or string. Store the flowers in buckets of different sizes to match the lengths of the stems and hold the flower bunches together neatly, so they’re not squished. The wrong sized bucket can damage your flowers.

  1. Hydrate, Hydrate, Hydrate!

Flowers are thirsty, and they need clean, fresh water. Check the water levels regularly (every hour or so) when they’re fresh out of the box, as they may need to be refilled. The flowers should be sitting in about 4 inches of water. Change the water every 24 hours, and use flower food—if the flowers call for it! You can purchase flower food from any local florist, but speak with them first, as some varieties actually do not like flower food.

  1. Trimming and prepping the stems

Angled flowers cutImmediately after getting your flowers in water, you should be trimming and prepping the stems. Remove foliage that falls below the water line, as this may cause bacteria or rot. Use sharp scissors, and trim the tips of the stems at an angle. If you don’t make a clean cut, you could damage the stems and prevent water absorption. An angled cut creates a larger surface area to absorb water, and keeps the stems from sitting flat in the bucket, blocking the water-absorbing cells.

  1. Store in a cool, dry place

Keep your flowers out of direct sunlight. If they’re looking perfect, keep them dark and cool. Do not refrigerate flowers, as the temperatures are too cold and may cause damage (unless they’re dahlias or peonies that are about to burst – these varieties can handle refrigeration). If they need to bloom a little bit more, put them somewhere warmer and brighter but still out of direct sun, as this may damage the flowers.

Also, keep flowers away from fruits and vegetables. Fruits and veggies emit Ethylene gas as they ripen, and this tells other flowers to drop their petals and turn into fruits and veggies themselves. Or maybe you want to walk down the aisle with a basket of fruits and veggies? Could be… tasteful?

  1. Transportation

Keeping flowers cool, fresh, and fed is easy, compared to the perils of transportation. Use those flower boxes you didn’t throw away (remember?) to create a carrying case for your arrangements. Cut ‘X’s into the box lid, and push the arrangements through the ‘X’s so they’re sitting snugly inside the box. Cut smaller ‘X’s for hand-held arrangements, larger ‘X’s for vases.

The stems should be tucked safe inside the box with the flowers sitting nicely on top. This prevents the arrangements from shifting around during transportation. You may need two people to move the boxes, depending on how heavy the vases are.

  1. Get Wedding Flower Insurance

Adding a Wedding Enhancement Package onto your Front Row Wedding Liability Insurance policy will cover loss or damage to any wedding flowers during the period of 7 days prior to the wedding date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online. It can also cover costs of rearrangement. Say you have to reschedule the entire wedding, because a hurricane has grounded flights and your extended family won’t be able to attend. The florist has already delivered their shipment. They’re not obligated to give you a second flush, but a good insurance policy can cover those extra, unanticipated costs.

Wedding insurance may also cover “failure of supplier” due to bankruptcy, liquidation or insolvency. What? You hadn’t thought about what to do if your florist goes bankrupt right before the wedding? Well, your insurance broker has. Let them worry about hurricanes and bankruptcies. You’ve probably got enough to worry about.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS:

Topics: wedding insurance