Meghan Stickney

Recent Posts

Musical Instrument Theft Prevention: What You Need to Know

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

Musical Instrument Theft

musical instrument theft preventIon

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 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. For more information on how to insure your instruments, click here.

Topics: musical instrument insurance

Hack Insurance: It's not just for big businesses

Posted by Meghan Stickney on Jul 27, 2018 3:47:05 PM

Worried about a cyber attack? Here’s what you need to know.

Computer - cyber hack insurance

cyber attack hack insurance

Hack Insurance

There’s been a lot of buzz in the news lately about cyber attacks on big banks and corporations. Cyber attacks are a topic of concern not only for big businesses, and their customers, but also for the many small and mid sized businesses that make up the fabric of our economy in Canada.

In fact, 43% of all cyber attacks happen against small businesses, which means more Canadian consumers are at risk now than ever for having their security compromised by hackers. Also, because small businesses tend to allocate less budget and resources to privacy and security systems, they are the ideal target for hackers.

So, where does this leave your business? Well, for starters, you’ll want to ensure you’re protected against the costs and risks associated with a possible cyber attack. Front Row has recently launched an online Hack Insurance product to address this exact need. You can obtain coverage online starting at $300. And, like all of Front Row’s online products, you’ll be fully insured within a couple of minutes with no need for any meetings, paperwork, or hassle.

To help guard against the risk of a cyber attack:

  • Developing a password strategy: Using the same password across multiple devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can easily use it to compromise employee information as well as customer data, turning a single password breach into millions of dollars in damage.
  • Avoiding collecting or storing payment information: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.
  • Educating your employees: It might seem like common sense, but it’s not always. Develop a written policy about security and privacy and make sure employees are on board and understand their responsibility to protect any confidential data. No business is “too small” for a hacker - the better prepared you are, the less at risk you are.
  • And, of course, purchasing hack insurance: 90% of small businesses do not currently have cyber insurance. You need to know that your business will be protected against any security breaches. Our new product provides this protection. You can get insured online in a couple of minutes by clicking here.

If you’re looking for tips or advice on Hack Insurance, or any other insurance needs, our team is always available to chat! You can connect with us on Facebook, Instagram or give us a call.

Topics: Cyber Insurance

Wedding Insurance In the News

Posted by Meghan Stickney on Apr 9, 2018 3:21:33 PM

Wedding insurance has been in the news lately, and there's a good reason for that. As the CBC recently highlighted, it's shockingly easy to get burned by a venue - and that can not only set your wedding plans back, it can put you in the tune of $15,000. Check out Ashleigh Post's story below (and there's a nice mention of our CEO David Hamilton in there too!):

Don't let this kind of story keep you up at It takes 5 minutes to buy wedding insurance night! and right now you can use our discount code CANADAWEDDINGS for $50 off.


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Topics: event insurance, wedding insurance, Wedding insurance Costs

First broker to offer short term film insurance policies online

Posted by Meghan Stickney on Oct 15, 2014 12:01:29 PM

new short term production insurance online program

Vancouver, Canada -- October 15, 2014 -- Front Row Insurance Brokers Inc. is pleased to announce the launch of their new short term production insurance online program. This will allow filmmakers to obtain quotes for short term projects in less than five minutes 365 days a year 24-hours a day. A policy can be purchased online and all associated documents can be downloaded in less than ten minutes. Given the flexibility of the online tool, filmmakers can purchase coverage on the day they need it. A large web development firm worked with Front Row to help bring the best product to market.

Clients can choose short term equipment insurance for their rented gear, and/or short term general liability to protect filming locations. Coverage can also include props, sets and wardrobes, as well as rented production vehicles. Policy terms are for up to 15 days and coverage is provided anywhere in Canada and the United States. Equipment rental company and location certificates are unlimited and provided for free. The certificates are delivered instantly. Rented gear is covered for theft, damage and loss of use. All equipment is covered for replacement cost. Equipment includes, but is not limited to: audio, lighting and film gear. The program is available to filmmakers across Canada.

The types of short shoots that can be covered are: short films under 30 minutes in length, commercials, music videos, documentaries, public service announcements, corporate films, teasers and more. Some examples of pricing for 15 days of coverage are:

• $20,000 rented equipment coverage costs $93 CAD, while $100,000 costs $147 CAD
• $2,00,000 location liability coverage costs $450 CAD, while $5,000,000 costs $600 CAD
• $1,000 deductible for gear

“Short term filmmakers are the future of the film industry and the future of our business,” said David Hamilton, President of Front Row Insurance in Vancouver. “We wanted to find a way to lower the cost to insure short term films as much as possible and deliver the coverage with a minimal effort and time. Our soft launch at the 2014 Vancouver International Film Festival Industry Forum resulted in excellent feedback from filmmakers.”

The website is:

About: Front Row Insurance Brokers Inc. is an independent film insurance broker that works on behalf of filmmakers to transfer the risks of filming to insurance companies for the lowest possible cost. Should a claim occur, Front Row ensures that the filmmaker receives the money that they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Los Angeles.


David Hamilton, President
Ph: 604-684-3456

Topics: Short Film Insurance


Posted by Meghan Stickney on Aug 13, 2014 3:27:00 PM

describe the image


C’ est une  police film d’assurance  pour gagner du temps et de l'argent si vous prévoyez plusieurs projets au cours des 12 prochains mois. 

La police d’assurance «dice» signifie et couvre:

Documentaires, vidéos corporatifs , commerciaux,  films éducatifs. Il couvre également les Clips et le court métrage.

Exclut *: budget de plus 150.000 en  long métrage ou  / Télévision 

- Série télévisée ou épisodes

- Productions avec des périodes de tournage de  + 90 Jours.

(* sauf indication pour approbation  et, dans certains cas, une prime supplémentaire s'applique)


Une police assurance anuelle de film offre une couverture préétabli pour un an pour votre bureau et tous vos productions - à l'exception des films  et des séries avec des budgets plus de $ 150,000.

Nous allons vous fournir  des certificats en blanc pour l'année, ce qui vous permet de reserver  les endroits et louer du matériel à la dernière minute .

Responsabilité civile générale est moins cher avec une police  annuelle  parce que vous ne payez qu’ une fois par an et couvre l'ensemble de vos projets dans une période de 12 mois. Beaucoup moins de travail et à moindre  coût de pour la couverture de chacun de vos projets.

Un police  typique d'un producteur avec  250.000 dollars  de productions annuelles  est la suivante:

 Film négatif / Videotape   250,000
 Stock défectueux, camera , Développement     250,000
 Accessoires, décors et costumes    200,000
 Matériel loué  divers  750,000

 Matériel divers vous appartenant

(prime supplémentaire s'appliquera) 

 Comme Requis 
 Responsabilité pour dommages aux biens  2,000,000
 Frais supplémentaires   200,000
 Contenu de bureau  100,000
 Débiteurs  25,000
 Argent et valeurs  25,000
 Dommages causés à des véhicules  150,000 par véhicule  
 Responsabilité civile générale   2,000,000



  • Une prime de dépôt débute à 1500 $. 

  • Vos coûts finaux de productions brutes pour toutes les productions réalisées pendant la durée de la police  sont signalés à la Société dans les 30 jours suivant l'expiration ou la résiliation de la couverture. 

  • La prime annuelle gagnée est calculée en appliquant le taux par 100 $ de coûts de production réels bruts établis à la date de création de la police
  • Une prime minimum de 1500 $ sera applicable quels que soient les termes de couverture. 

  • Les primes peuvent être financés sur l'année pour aider votre flux de trésorerie. 

  • Nos taux  varient  en fonction du rapport Film / Vidéo, types de productions et le nombre de productions annuelles estimées. 

  • La couverture de responsabilité générale (pour couvrir les lieux de tournage  contre les dommages matériels ou corporels causés par votre équipe) est en sus. Par exemple, une limite $ 2,000,000 coûterait $ 750 par an; une limite $ 500,000  coûterait $ 1000 par an. 

Appelez-nous ou envoyez-nous un courriel pour une soumission  une description de la couverture demandée ainsi que  de plus amples informations. 



Topics: Film equipment insurance, Film insurance broker, Entertainment Insurance Broker, Commercial Production Insurance, Documentary Insurance, DICE Insurance, Industrial Films, Educational Film Insurance

What is a DICE Policy? - Let Front Row Tell You

Posted by Meghan Stickney on Oct 29, 2009 4:20:00 PM


This is a great insurance policy to save you time and money if you anticipate multiple projects in the next 12 months.

Click here to apply online


- Feature Length or Theatrical/Television Release over $150,000 budget

- Television Series or Episodes

- Productions with shooting periods +90 Days

(*unless specifically endorsed and in some cases an additional premium applies)

  • A DICE policy provides prearranged coverage for a year for your office and all of your productions--except for features and series with budgets over $150,000.
  • We will give you blank certificates for the year, allowing you to lock locations and rent equipment on the fly.
  • General Liability is less expensive with an annual policy as you only pay for it once per year and it covers all of your projects in a 12 month period. Less work and cost than arranging coverage for each of your projects.

A typical package for a Canadian producer with up to $250,000 in annual productions costs is as follows: 

 LIMIT  $  
 Negative Film/Videotape   250,000
 Faulty Stock, Camera & Processing     250,000
 Props, Sets & Wardrobe  200,000
 Miscellaneous Equipment Rented  750,000

 Miscellaneous Equipment Owned (additional premium will apply)

 As Required
 Property Damage Liability  2,000,000
 Extra Expense  200,000
 Office Contents  100,000
 Accounts Receivable  25,000
 Money & Securities  25,000
 Physical Damage to Vehicles  150,000 per vehicle 
 General Liability  2,000,000

Canadian DICE Production Insurance Package Costs:

  • A deposit premium starts at $1,500.
  • Your Final Gross Productions Costs for all productions undertaken during the term of the policy are reported to the Company within 30 days following the expiration or termination of coverage.
  • The Annual Earned Premium is computed by applying the rate per $100 of actual gross production costs established at the inception date of the policy.
  • A minimum premium of $1,500 will apply regardless of the terms of coverage.
  • Premiums can be financed over the year to help your cash flow.
  • Rating will vary based on the Film/Video ratio, types of productions and number of annual productions estimated.
  • General Liability coverage (to cover locations against property damage or bodily injury caused by your crew) is extra.  For example, a $2,000,000 limit would cost $750 annually; a $500,000 limit costs $1,000 annually.

 Click here to apply online

 Call or email us for a quote, a description of coverage  and further information.

Related BLOG Posts:

DICE Insurance Policies: Annual Protection for Multiple Film Projects


DICE vs. DigiGear


Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations


Topics: Film equipment insurance, Film insurance broker, Entertainment Insurance Broker, Commercial Production Insurance, Documentary Insurance, DICE Insurance, Industrial Films, Educational Film Insurance

Title Reports: Who Needs Them? - E&O Insurance

Posted by Meghan Stickney on Apr 3, 2009 5:35:00 AM


One of the least understood areas dealt with in the hectic world of film and television production is that of Title research and E&O insurance.

Entertainment Lawyers often comment on how often their Clients ask "Why do we need a Title Search?", as well as "Why is a Title Report for financing so expensive?" Herein, I will attempt to provide simple answers to these excellent, oft-asked questions.

Over the past decade, the huge expansion in both modes of broadcast transmission and new channels of distribution of content via cable, internet and satellite has made it virtually impossible to completely control by whom as well as where a television program or film property will be seen. Hence, the possibility of potential Title, Copyright and Trademark infringement suits has expanded immeasurably over the past decade.

In order to avoid lawsuits over conflict due to previously used Titles, the insurer underwriting the financing of the production requires a Title Search. The report generated by this search is thus an attempt to reduce the risk of a lawsuit by meeting the insurance application requirements and ensuring as much as is possible the uniqueness of your Title. Increasingly, due to the rapid growth of media content spill-over into neighboring foreign markets, Entertainment Lawyers and Insures are requiring basic Title Search coverage in both Canada in the US even if the property is licensed for broadcast into just one of the markets initially.

Since 1923, the foremost provider of North American Title and Copyright Reports has been Thomson CompuMark. Initially known as Thomson & Thomson, the Boston-based firm now has research offices in Washington, Boston, and Montreal, as well as local sales offices in 9 cities across North America, Europe and Japan. These capabilities (tied to numerous proprietary Thomson Corp. databases and continuous major capital investment) have enabled Thomson CompuMark to lead the world in Title, Copyright and Trademark research for close to a century!

Coupled with their initial question of "Why is Title Search coverage required?", the curious producer is then likely to ask "what is being investigated?"

In the provision of a Title Report in Canada, the research includes searching all registered and unregistered Canadian trademarks, the Canadian Copyright Registry, titles in the National Libraries of Canada and Quebec, as well as numerous online sources and proprietary databases. Similarly, in the United States, research is done not just on registered and common law US Federal and State trademarks, but also titles found in the US Copyright Office, the Library of Congress and numerous other online and proprietary sources.

International Title coverage is emerging as a major concern. Thomson CompuMark responded to this new challenge by introducing International Title Search services in early 2006. This new capability enables the production of Title Reports for such vital entertainment markets as the UK, Australia & NZ, the EU, China, Japan & South Korea, as well as South Central America! For each Title Report, the company researches common law exact and closely similar title usage across multiple media including film, television and computer games.

Ensure that your television or film production successfully finds distribution without costly delays or lawsuits. Use a world-class provider to ensure the smooth, timely progression of your work from pre-production to successful distribution and release!

Contact us for a no obligation E&O Quote!



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: Assurance E&O

You are a Director or an Officer, do you need D&O insurance?

Posted by Meghan Stickney on Apr 3, 2009 5:35:00 AM

The Canada Business Corporation Act and numerous statutes in each Province impose many duties on the Company Director. The breach of any of these , if it leads to financial loss to the company  or to the shareholders or to others, can be grounds for an action for damages. There are further duties established by Common Law.

Get a Free Quote Now!

It is not uncommon for many claims to be unjustified or unfounded; however, the costs associated with their investigation and defense are often substantial.

Allegations which are most commonly made and which have to be defended by Directors include:

Acting beyond the scope of their authority

  • Giving wrong or unprofessional advice
  • Breach of fiduciary duties
  • Failure to police the corporation or supervise subordinates properly. Anti-trust violations.
  • Improper or excessive company spending
  • Unauthorized company borrowing
  • Conflict of interest.

Remember, the above only need to be alleged for costs to be incurred.

These allegations are most likely to occur following:

  • Acquisitions/divestitures
  • Mergers
  • Foreign investment (especially in the USA)
  • Public offerings
  • Management buy-outs.
  • Lack of growth, reduced dividends, improper handling of negotiations.
  • Mismanagement or waste of corporate assets.
  • Employee dismissal.
  • Board room dispute
  • Breach of contract
  • Liquidation of the company
  • Change in ownership of the company's share capital.

It is also worth remembering that Directors can be held liable for acts committed by other Directors, simply because they sit on the same board. Such damages can extend to the entire personal estate of the Director involved.

Directors' and Officers' Liability (D&O Insurance) is...

Financial protection for personal assets of an individual Director or Officer. 

  1. Financial protection for personal assets of an individual Director or Officer.
  2. Reimbursement of claims paid by the organization for its Directors and Officers.
  3. Designed especially to meet the cost of:
  •  Defending claims
  •  Compensatory damages which the Director or Officer may be legally obligated to pay following a wrongful act arising out of his position within the organization

A D&O insurance policy should be a serious business consideration for your company.

Topics: directors & officers insurance