Newly Acquired Camera Equipment Insurance Coverage

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


Camera insurance Canada, gearWhen 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 online 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.

Topics: Camera Insurance, photography insurance

Insuring Your Bat Mitzvah Party

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

batbar mitzvah

Bat Mitzvah Ceremony insurance

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

  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.

Policies start at $105 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.

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.

Related Post:

Bar Mitzvah

Insuring bar and bat mitzvahs

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.

Topics: bar Mitzvah insurance

Art School Insurance that Puts Students’ Safety First

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


Protege Blog

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.

Topics: art school insurance