David Hamilton

Recent Posts

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

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

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: Film Insurance, E&O Insurance, DICE Insurance, event insurance, 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:

candice@frontrowinsurance.com

 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

david@frontrowinsurance.com

www.FrontRowInsurance.com

602-1788 W Broadway

Vancouver, B.C., V6J 1Y1

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

P 604 684 3456

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

Passionate about the arts…better at insurance

PROTÉGÉ: Insurance custom-made for arts education

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

ballet photo

Protégé: Insurance for Art Schools

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. http://www.frontrowinsurance.com

Topics: E&O Insurance, music school insurance, art school insurance, film school insurance, dance school insurance, abuse insurance

E&O: What Filmmakers Need to Know

Posted by David Hamilton on Jan 9, 2019 4:59:44 PM

E&O: WHAT FILMMAKERS NEED TO KNOW

E&O insurance

As a filmmaker your top priority is likely bringing your next production to life and maintaining creative inspiration, but you also know how important the business side of film production is.

This includes understanding the legal and insurance requirements needed to protect your next film. Insurance is a critical part of the film business, especially E&O (Errors and Omissions). If you understand what E&O is and how it can actually serve your production needs, you’ll set your next film up for even greater success.

Here’s how:

GETTING TO KNOW E&O

Producers Errors and Omissions Insurance covers all of the potential legal liabilities and defense costs against lawsuits alleging unauthorized use of titles, formats, ideas, characters, plots, plagiarism, unfair competition or privacy, and breach of contract. It also protects against alleged libel, slander, defamation of character or invasion of privacy. Errors & Omissions is a requirement for distribution deals with studios, television, cable networks, DVD and Internet sites prior to the release of any film production. In fact, if you haven’t released a film yet, you’ll discover that production financing will probably not flow until your E&O coverage is in force.

HOW IT WORKS

Consider the risks: You’ve released a film that is a HUGE success, and someone accuses you of stealing their idea, or script. No surprise, this happens a lot. For example, after AVATAR was released in 2009, a man spoke out and claimed that he had actually pitched this multi award winning movie to AVATAR Producer, James Cameron a few years earlier. An E&O policy would provide a lawyer in this instance and would pay the legal fees and judgement costs if the filmmaker lost.

Planning an online production? YouTube is a hot bed for E&O disputes. A while back, a music video director posted a parody of a well known movie that went viral, garnering over 1 million views, but unfortunately he didn’t have E&O and the video was taken down as he could not afford the legal costs. A big loss for him and one he could have avoided if he had obtained E&O coverage.

WHAT E&O COSTS

Premiums for E&O vary based on the content of the production. A straight forward documentary typically cost $2,500 to $4,000 while you can expect to pay $3,500 to $8,000 for a feature film for the industry standard 3-5 year policy term. Every project is unique and requires a custom E&O policy. Standard limits are $1,000,000 per claim/$3,000,000 aggregate with a deductible of $10,000. Ideally, speak to an E&O insurance expert who can advise on the risks related to your particular film. We’d love to help with that.

YOUR NEXT STEPS

  1. The first thing an insurance provider will ask you is: Do you have “Title and script Clearance”? This is a way to discover if you’ve done your legal due diligence to make sure you aren’t engaging in copyright infringement and that you have the right to use the story and title. As you set out to obtain E&O, as a filmmaker you must begin clearance work prior to principal photography, continue during filming and complete it at final cut. Note: It can take up to 10 working days for a project to be cleared and coverage to be in place so you’ll want to start the E&O process early to ensure that your cash flow is not impacted.
  2. Once obtained, be sure to check your production/distribution/financing agreements regarding the start date for your coverage, as some financiers require Errors & Omissions coverage to be in place for the first day of production before they will provide the first cheque that allows you to start production.
  3. Your E&O policy will provide defense costs if the producer is sued and will pay the judgment costs if the producer is found liable. Until a lawsuit happens, enjoy peace of mind knowing you’ve got the right coverage in place.

About the contributor: David Hamilton is President + CEO of Front Row Insurance, one of the world’s largest entertainment insurance brokers. Front Row offers E&O insurance for filmmakers. E&O Policies start at $1,250 and certificates proving insurance coverage are provided immediately at no cost.

 

RELATED LINKS:

E&O Insurance 101 & How to Protect Your Film Project

E&O: What You Need to Know

E&O: Cost

Are you paying for the coverage you need?

Steps to Obtain

Producer Errors and Omissions

E&O: Reviewing Scripts

Distributor Errors and Omissions

Documentary E&O Insurance

Copyright Reports

How much of your film is copyright-able?

Copyright Infringements

Title Reports

Script Clearance Reports

Clearance Procedures

Claims Made vs. Occurrence

Fair Use

False Light Accusations

The value of a lawyer

To get or not get permission: The Social Network

A production lawyer's guide to obtaining E&O insurance and preventing litigation

Topics: E&O Insurance

Conference & Event Insurance: What You Need To Know

Posted by David Hamilton on Jan 9, 2019 4:54:06 PM

event insurance

Conference & Event Insurance

We all know that person who had a little too much fun and did something they fully regret the day after an event or worse, treated their weekend conference like a trip to Vegas. If you’re on the event planning side of these meetings, you’ll want to understand the type of event insurance required by your venue to protect yourself and your staff against all possible scenarios. Here is your guide to obtaining the right coverage for your next office event or conference:

  1. What exactly is event insurance? Often called Special Event Insurance, or Short Term event insurance, this insurance is designed to protect your event - whether it’s a conference, business party, festival or something else from ALL of the possible circumstances that might occur during your event that are beyond your control. This includes potential lawsuits caused by damage to the location you are renting or lawsuits that arise if your guests are injured at the event.
  2. What are the venue requirements? If you’re hosting your office event or conference at a third-party venue or on municipal property, event liability insurance is pretty much always required - especially where alcohol is involved. Even if your event is hosted at your boss’s mega-mansion, you’ll want to double check the homeowner’s policy because parties of a certain size are often not covered - again, especially when alcohol is being served.
  3. Make sure your rentals are protected In the case that you’re renting tables, chairs, sound equipment or anything else you might need for your event, consider what might happen if your vendor ends up being a no-show or if any of your rentals are damaged. You’ll want to be covered if that’s the case (hello, unpredictable winter weather). Accidents happen and sometimes you just can’t tell how much crazy fun your co-workers might have…
  4. Protect yourself against staff injuries? It’s all fun and games until somebody gets hurt! Protect yourself against guest injuries or a guest or relative suing you in the case of a bad injury. Event insurance will cover you if you are sued by a guest by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.

Regardless of where, when, and how your next office event or conference comes together, obtaining 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 than you’d think.

Feel free to give us a call if you’d like an expert to answer any questions or obtain a quote for your next event online in a couple of minutes by clicking here.

About the contributor: David Hamilton is President of Front Row Insurance, one of the world’s largest entertainment insurance brokers. Front Row offers event insurance with no need to talk to a broker. Policies start at $130 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!

 

RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

Venue Insurance in Canada

Event Planning

Wedding Insurance

Renting Churches, Mosques

Planning a Bridal Shower?

Baby Shower Insurance

Event Cancellation

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

Bar Mitzvah Insurance

Planning a Garden Show?

Picnic Insurance

Topics: event insurance, conference event insurance

Film Production Insurance for Renovation Shows

Posted by David Hamilton on Jan 9, 2019 3:09:19 PM

reno shows film insurance

film production insurance for renovation shows

Arranging film production insurance for your renovation (reno) show should be done with the help of a specialized entertainment insurance broker.

The following information is to be used as a general reference only and does not alter the insurance policy wording for your specific production. In all cases, actual coverage is subject to the policy language, terms and conditions of the long form policies to be issued by the insurance company. Additionally, the following is not intended to be legal advice but rather are general recommendations intended to reduce your exposure to an insurance claim. When entering contracts with anyone you should consult a lawyer to draft appropriate language for your specific circumstances and to ensure that you are adequately protected.

With renovation shows we suggest that you consider the following guidelines:
  • Hire a general contractor to oversee major changes and the general contractor should be responsible for hiring subcontractors.
  • Insist that the general contractor and subcontractors provide you with proof of liability insurance for their operations in the form of an insurance certificate issued by their insurance  company.
  • The insurance certificate should evidence coverage for Products and Completed Operations, should contain a cross liability and sever ability of interest clause and name the production company as an additional insured.
  • Homeowners should review and sign a release containing a hold harmless and waiver of subrogation clause against the production company.
  • Where possible homeowners should be included in the renovation decision making process for each change made.
  • Your contract with the general contractor should contain a hold harmless provision protecting prod co from any claims arising from work completed by the contractor.  You should also consider an indemnity provision requiring the contractor to pay you back for any expenses, claims or suits brought against you resulting from their negligence or faulty workmanship.
  • Have you made arrangements with the contractors to come back and fix problems with the homes?  Does the contractor provide a warranty on work performed?  The contract should be between the homeowner and general contractor (not the production company).

Ultimately the homeowner could sue the production company and the contractor if they feel work was poorly done but adopting some of the guidelines above, having contractors who are properly insured and including the homeowner in decisions being made would greatly reduce your exposure to loss.

Decorating shows that involve changing room colours and adding new furniture etc. are less risky than more major renovations but when you are working on any third party properties there is a greater risk of something going wrong. Use a specialized film insurance broker to ensure you are properly covered.

Topics: Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, entertainment production insurance

Insurance for body parts for Actors, Models and Performers: What!

Posted by David Hamilton on Jan 9, 2019 2:51:29 PM

 
body parts insurance

body parts cast insurance

Betty Grable was known as the "Girl with the Million-Dollar Legs" because that's what Fox Studios requested from Lloyd's of London for the Body-Parts insurance policy. Grable was once quoted to have said "There are two reasons why I am successful in show business and I am standing on both of them." Grable knew her legs were something to be admired . Most ordinary people wouldn't need this type of insurance, but those who have careers based on their appearance or performance might need body-part insurance coverage. 

There are rumors that Jennifer Lopez insures her rear-end for a billion-bucks, although she denies it. Anyone with a body part that valuable shouldn't go around advertising it.

There are reports throughout the history of the entertainment business of celebrities insuring a variety of body-parts. 

The earliest reports of body-part insurance from come from the 1920's, when a policy insuring silent movie star Ben Turpin's signature crossed eyes from a risk of going straight was issued. It might seem odd anyone famous for crossed eyes could make it big in the first place but, the fact Turpin took out insurance protecting his asset is rather interesting. 

Insurance is a contract binding an insurer to indemnify someone against a specific loss in return for a premium. There needs to be a value for the asset being insured and most of us generally think insurance would cover losses suffered from some kind of disaster. Well, when you think about it, celebrities need body-part insurance if their asset is their rump what would they have if something happened back there? A disaster! 

Bruce Springsteen was once reported to insure his voice for six million dollars and the truth is that had something gone wrong with the Boss' voice it very well may have cost him the rest of his career and substantial future earning potential. When we consider what a movie star, singer or model has an asset it's not so strange to imagine they may want to insure their future in the event something goes wrong. It's just too bad there isn't "No-Talent" Insurance for some of the celebrities.

Get a Quote

Topics: Cast Insurance, Theatre Insurance, Actor body insurance

ART SCHOOL INSURANCE THAT PROTECTS STUDENTS FROM ABUSE? INTRODUCING PROTÉGÉ

Posted by David Hamilton on Nov 27, 2018 11:56:13 AM

shutterstock_76986013 (cropped)

If you’re running an art school, then we don’t need to tell you the amount of passion, drive, and dedication required to run a school and coach students to success. We probably don’t need to tell you this also brings a huge amount of responsibility for the well-being of your students, who are often young and in close relationships with their teachers.

As you consider how to run your school in a way that BEST protects your students from physical and sexual abuse, consider our Protégé program.

Protégé is the only insurance program of its kind that goes the extra mile to protect art schools AND their students from situations related to sexual and physical abuse. Along with all of the other insurance requirements your school needs, Protégé provides the highest level of support and protection for your students. This is our passion.

We’ve become known for our expertise in guiding many arts organizations through difficult claims involving abuse, and helping schools implement measures that prevent situations of abuse in the first place. Here’s how our Protégé program goes the extra mile for schools and students:

  1. In situations where there are allegations of abuse, Protégé can pay for no-fault rehab and counselling costs. 
  2. In situations resulting in damage to studio/school property, Protégé covers the costs for owned and rented property damages.
  3. In liability situations, Protégé covers bodily injuries to people that have been invited to the studio.
  4. To support business continuity, Protégé pays the salaries of your staff if the studio is destroyed while you are searching for a new space.
  5. Re: errors and omissions, Protégé covers costs if students aren’t satisfied with the curriculum.

When you sign up for the Protégé program, you’ll receive our deep experience in putting preventative safeguards in place that will help prevent situations of abuse from happening in the first place. We’ll walk you through all the areas of your business protocols to help you put systems in place that better protect students.

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. http://www.frontrowinsurance.com

Topics: E&O Insurance, music school insurance, art school insurance, film school insurance, dance school insurance, abuse insurance