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.

In terms of protecting your instrument at airports and on planes: Rule No. 1 is to never check instruments with your luggage, unless it’s impossible to transport as hand luggage. Keep watch on your instrument while in the airport terminal. Consider using a Velcro strap to attach it to your trolley to prevent a snatch-and-grab. Hiding a Tile [Affiliate Link] or similar tracker in your cases results in a good recovery rate for stolen gear. These products are especially valuable for vintage gear.

GET Music Instrument Insurance | Instrument Insurance | MUSICAL INSTRUMENT INSURANCE | GUITAR INSURANCE | VIOLIN INSURANCE

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.

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.

 

Related:

Musical Instrument Insurance 101: How to Protect Your Instruments
Tips & tricks to guard your gear
Protecting instruments at home
Protecting instruments at airports
Protecting instruments on tour
Musical tour insurance
Band on the run
Tribute bands and liability
Protecting your guitar
Protecting your drums
Protecting your keyboard
Protecting your violin
Protecting your saxophone
How to make a claim
What is my gear worth in event of claim?
You may not be covered under homeowners
Front Row’s musical instrument policy
Insurance for SOCAN members
How to compare musical instrument insurance cos.
Blurring the lines of music infringement law

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.

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.

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.

Computer - cyber hack insuranceSo, 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 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 and customer information, 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: 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.


Related:

EBOOK: CYBER INSURANCE 101 / CYBER LIABILITY INSURANCE / CYBERSECURITY INSURANCE CANADA / HOW TO PROTECT YOUR COMPUTER SYSTEMS

ONLINE CYBER INSURANCE FOR CANADIAN SMALL BUSINESSES

CYBER SECURITY INSURANCE

HACK INSURANCE: IT'S NOT JUST FOR BIG BUSINESSES

IS YOUR BUSINESS PREPARED FOR THE CONSEQUENCES OF A CYBER ATTACK?

4 WAYS TO PREVENT CYBER ATTACKS IN THE CREATIVE INDUSTRY

CYBER CRIME INSURANCE FOR NON-PROFITS

IF YOU ARE A GRAPHIC DESIGNER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PHOTOGRAPHER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A FILMMAKER/FILM PRODUCER/HAVE A PRODUCTION COMPANY, YES, YOU NEED HACK INSURANCE

IF YOU ARE A THEATRE PRODUCER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A MUSICIAN, YES, YOU NEED CYBER INSURANCE

IF YOU ARE A REAL ESTATE AGENT/WORK IN REAL ESTATE, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PERSONAL TRAINER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A HAIR/NAIL/BEAUTY SALON MANAGER OR EMPLOYEE, YOU NEED CYBER INSURANCE

RANSOMWARE INSURANCE

PASSWORD PROTECTION & MANAGEMENT

MANDATORY DATA BREACH LAW

OFFICE CONTENTS INSURANCE AND THE NEED FOR CYBER INSURANCE

FRONT ROW INSURANCE OFFERS SOLUTION TO SMALL BUSINESS CYBER CONUNDRUM

TRANSFER CYBER RISK TO CYBER ATTACK INSURANCE

Topics: Cyber Insurance

Wedding Insurance In the News

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

Wedding Insurance Claim Example - Wedding Disaster Example

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 cannot only set your wedding plans back, it can put you in debt...to the tune of $15,000, at least. Check out Ashleigh Post's story below (and there's a nice mention of our CEO David Hamilton in there too!):

http://www.cbc.ca/news/canada/hamilton/hamilton-bride-who-lost-thousands-after-venue-closed-recommends-wedding-insurance-1.4598688

Don't let this kind of story keep you up at night! It takes 5 minutes to buy wedding insurance! And right now, you can use our discount code CANADAWEDDINGS for $50 off. (not valid in QC, ON, SK)

Wedding Insurance rings

Image by www.cbc.ca

Topics: event insurance, wedding insurance

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. 

“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: www.frontrowinsurance.com/short-term-production-insurance

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.

Front Row logo

 
 
 
 
 

Topics: Short Film Insurance

What is a DICE Policy? Docs, Industrial, Commercial, Educational Films

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

DICE INSURANCE: DOCS, INDUSTRIAL, COMMERCIAL, EDUCATIONAL FILMS

DICE INSURANCE: DOCS, INDUSTRIAL, COMMERCIAL, EDUCATIONAL FILMSPhoto credit: Unsplash

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

Excludes*:

- 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: 

Coverage

Limit of Liability

Deductible

Negative Film

$150,000

NIL

Faulty Stock

$150,000

$2,500

Props, Sets & Wardrobe

$50,000

$2,500

Rented Equipment

$250,000

$2,500

Owned Mobile Equipment

$20,000

$2,500

Owned Fixed Equipment

$20,000

$2,500

Extra Expense

$50,000

$2,500

Vehicle Physical Damage

$250,000 Per Vehicle

10%/$2,500 Min $10,000 Max

Office Contents

$100,000

$1,000

Third Party Property Damage

$1,000,000

$1,500

Money & Securities

$10,000

$1,000

Commercial General Liability

$2,000,000

$500

 

 

Premium: $2,695

Agency Fee: $100

Applicable Provincial Sales Taxes will apply

 
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. SHORT SHOOT

DICE vs. DigiGear

RELATED LINKS:

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

Claims

Topics: Film equipment insurance, Entertainment Insurance, Film 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

E&O INSURANCE TITLE REPORTS


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 Insurers are requiring basic Title Search coverage in both Canada and 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!

Topics: Film Producer's E&O Insurance

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

Do You Need D&O Insurance?

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 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 commonly made and which have to be defended by Directors:

  • 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.

D&O 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...

  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.

RELATED:

DIRECTORS AND OFFICERS INSURANCE FOR FILM PRODUCTION COMPANIES

D&O INSURANCE FOR ARTS GROUP BOARDS

Topics: directors & officers insurance