Mike Groner

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Online Cyber Insurance for Canadian Small Businesses

Posted by Mike Groner on Nov 28, 2018 11:06:56 AM

WHAT IS CYBER LIABILITY?

Cyber liability insurance goes by many names these days: CyberInsurance; Cyber Security, Cyber Risk, Hack Insurance and others. However, the intent of all of these polices remains the same. A Cyber-insurance policy is an insurance product used to protect your business for data breaches on your computers that exposes your client’s information.

Get a no obligation online quote here now  ➭

WHAT DOES A CYBER LIABILITY INSURANCE POLICY COVER? 

  • Comprehensive Cyber Liability: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage in one form.
  • Theft and Fraud: Covers destruction or loss of digital data resulting from a criminal  cyber event.
  • Business Interruption: Covers lost income and related costs when unable to operate due to a cyber event or data loss
  • Extortion & Ransomware: Provides coverage for costs associated with investigating threats to commit cyber attacks and payments to those who threaten to obtain and disclose sensitive information
  • Forensic Investigation: Covers the legal, technical and forensic services necessary to assess whether a cyber-attack has occurred, to assess the impact of the attack and to stop the attack
  • Extortion: Provides coverage for the costs associated with the investigation of threats to commit cyber attacks against the policyholder’s systems and for payments to extortionists who threaten to obtain and disclose sensitive information.

CAN MY BUSINESS AFFORD CYBER INSURANCE?

While the most prominent cases report have been attacks against large companies such as Target, Sony and Home Depot; in fact, 43% of attacks are occurring against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cyber security.  Starting from just $300. Annually,  with limit options up to $1,000,000.Cyber Liability for Small Business

Front Row Insurance’s Hackinsure provides protection against a range of online hazards – peace of mind is available online in five minutes with no need to talk to a broker.

TYPES OF CYBER CRIME:

  • Phishing – obtaining valuable information such as a credit card details or passwords by posing as a trustworthy company (e.g., a supplier) via email.
  • Ransomware – When a company’s computer system is infiltrated by a malicious program that encrypts its files and demands a ransom (typically in bitcoin) to return the data.
  • Social Engineering – Criminals impersonate an executive of a company in an email in order to obtain a money transfer or sensitive data from an unsuspecting employee. These emails are often targeted to junior employees, who may be more susceptible due to lack of training or fear of not responding to the senior executive who was impersonated.

cyber liability small business

WHAT ARE SOME WAYS TO SAFEGUARD AGAINST A CYBER ATTACK?

Now more than ever, it’s important you protect yourself in every possible way. Here are a few additional tips we share with all of our clients, 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 Cyber Liability 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.

Get a quote in 2 minutes  ⇨

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal,  Halifax, Los Angeles, New York, Nashville, and Colorado

Tags: online cyber coverage, cyber liability, hack insurance

4 Reasons to Buy Online Insurance for Weddings from Front Row

Posted by Mike Groner on Dec 8, 2017 11:29:34 AM
  1. Wedding insurance allows you to relax and enjoy the big day.     Weddings cost an  average $30,159 in Canada . The hall, the food, the DJ, flowers, photos and all the other costs add up to an expensive day. Wedding insurance provides you with peace of mind in two ways. Wedding property insurance  provides coverage for damage to: your wedding attire, lost/stolen gifts, photographs,– even wedding ring insurance and more. Wedding liability insurance covers you when you are legally responsible for injury or damages that occur at your wedding. If one of your yoga teacher guests slips on spilled wine and tears knee ligaments and cannot work they may sue you for lost income and rehab / medical costs. Wedding liability insurance also provides a lawyer to defend you.
  2. Online Insurance for WeddingMany wedding venues require that you show evidence of wedding liability insurance.     Many venues do not want to be responsibility for situations that happen at your wedding that cause damage to their venue or injury to your guests. This means requiring short-term event insurance from you – the tenant of their venue. Check your venue contract to see if you are responsible for providing a wedding liability certificate to your venue owners. Our certificates are free and can be issued within 60 seconds of paying with a credit card on our on line site
  3. Vendors may not give you a refund if you cancel.      What happens if you are  forced to cancel or postpone your wedding? Will the baker take back the cake? Will the banquet hall and caterer refund your deposit? Will the photographer refund her deposit?  In these cases, you will want to recoup as much money as possible and you can do so by transferring the risk to insurance
  4. What happens if one or more of your vendors is a no show   Wedding event insurance can financially protect you against unreliable vendors that don’t show

Front Row Insurance Brokers offers online wedding event insurance

Get a Quote in 2 Minutes  ➲

Protect your special day in less than 6 minutes and pay with a credit card. Our wedding insurance cost starts as low as $55. Quotes take 2 minutes and are offered free without obligation on our online site.

Tags: insurance for wedding, wedding insurance

Why you should consider purchasing wedding insurance

Posted by Mike Groner on Dec 6, 2017 4:39:32 PM
Wedding Table .jpgPlanning a wedding? There are many risks associated with hosting a wedding: your guests may damage the venue or the rented furniture or the sound system. Your guests could trip on temporary carpeting or a wine spill on the dance floor and injure themselves.

 

When hosting a wedding, most banquet halls and venues 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.

Front Row Insurance Brokers offers online wedding insurance in minutes:
Policies start at $55 and certificates for your wedding venue and vendors are free.

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If you will be serving alcohol at your wedding make sure that you request venue alcohol liability – available through our online site . Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your wedding and harm themselves or someone else.
It’s always good planning to have wedding insurance because you never know when something unexpected may occur. Wedding insurance will allow you to fully enjoy your special day.https://events.frontrowinsurance.com

Tags: wedding insurance, insurance for wedding venue, insurance for wedding

COMMERCIAL GENERAL LIABILITY EXPLAINED

Posted by Mike Groner on Jul 21, 2016 9:39:57 AM

Annual_Dice_Banner.jpgCommercial General Liability: Protects the production company against claims for bodily injury or property damage liability arising out of filming the picture. This coverage will be required prior to filming on any city or provincial roadways, or any locations sites requiring filming permits.

Coverage can be amended to include an international indemnification clause which can provide coverage if shooting overseas.

Coverage may also include auto liability for non-owned vehicles (both on and off camera). Non-owned auto liability* only applies as primary insurance in jurisdictions where the auto insurance industry is privatized (such as Ontario, Alberta, and the United States), otherwise it applies as excess insurance and another liability policy must be in force (although this is often maintained by the vehicle owner/lessor). 

There is limited or no coverage for autos, aircraft, watercraft or snow machines  under the Commercial General Liability coverage.  Details on use of these should be advised so coverage can amended or separate policies purchased.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Up to 14-days with no minimum premium. Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Tags: Third Party Property Damage, Commercial general liablity

Negative Film and Faulty Stock / Equipment Insurance Explained

Posted by Mike Groner on Jul 21, 2016 9:35:13 AM

Annual_Dice_Banner.jpgNegative Film / Videotape and Faulty Stock / Camera & Processing Equipment Insurance can be put in place to cover the additional expenses/costs that a production company could incur in order to re-shoot/edit footage due to a loss.

NEGATIVE, FILM, & VIDEOTAPE INSURANCE:

Coverage against all risks of direct physical loss, damage, or destruction of digital media, raw film or tape stock, exposed film (developed or undeveloped), recording videotape, sound tracks and tapes, up to the amount of the insured production cost.

  • Coverage does not include: loss caused by fogging; faulty camera or sound equipment, faulty developing, editing, processing, or manipulation by the cameraman; accidental exposure to light, dampness or temperature changes; or errors in judgment in exposure; lighting or sound recording, or from the use of incorrect type of camera, lens, raw film or tape stock.

FAULTY STOCK, CAMERA, & PROCESSING INSURANCE:

Covers loss, damage or destruction of digital media, raw film or tape stock, exposed film (developed or undeveloped), recorded video tape, sound tracks and tapes, caused by or resulting from fogging or the use of faulty equipment (including cameras and video tape recorders); faulty sound equipment; faulty developing; faulty editing and faulty processing; and accidental erasure of video tape recording.

  • Coverage does not include: loss caused by errors of judgment in exposure, lighting or sound recording, from the use of incorrect type of camera, lens, raw film or tape stock.
  • This coverage can only be purchased with Negative, Film, and Videotape coverage. 

No coverage applies unless ALL equipment is fully tested and proved to be sound at the commencement of filming / taping.

Did You Know?

Most broadcasters and financing bodies require the limits for Negative Film & Videotape & Faulty Stock Camera & Processing coverages to be the full limit of the budget.

Digital Film Insurance and the Future blog post

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Up to 14-days with no minimum premium. Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Tags: negative film, faulty Stock, Insurance for Footage

FOREIGN LOCATIONS explained

Posted by Mike Groner on Jul 21, 2016 9:34:37 AM

Annual_Dice_Banner.jpgWhen production activities occur outside of the US or Canada, there may be additional insurance coverages that are either mandatory or that should be considered. Requirements and recommendations will vary depending on the country in question and the type of activity occurring there. A list of some of the most commonly purchased coverages outside of the US or Canada are as follows:

  • Foreign Voluntary Workers Compensation
  • US Auto Liability
  • Foreign Difference in Conditions/ Excess Auto Liability Insurance
  • Out of Country Medical Insurance
  • Locally Admitted Foreign Liability Insurance
  • Political Risk/ War Risk Insurance
  • Civil Commotion/Riot Insurance
  • Weather Insurance
  • Kidnap & Ransom Insurance

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Tags: Foreign Insurance, Foreign film Insurance, Foreign package for production

THIRD PARTY PROPERTY DAMAGE LIABILITY EXPLAINED

Posted by Mike Groner on Jul 21, 2016 9:31:43 AM

Annual_Dice_Banner.jpgThird Party Property Damage: 

Third Party Property Damage coverage provides for the damage or destruction of property of others (including loss of use of the property) while the property is in the care, custody or control of the production company and is used or is to be used in an insured production. This is the most ideal coverage to insure a film location.

Third Party Property Damage may also be extended for damage to buildings and contents rented as living quarters for cast & crew during production

Coverage does not apply to: liability for destruction of property caused by operation of any motor vehicle, aircraft or watercraft, including damage to the foregoing; liability for damage to any property rented or leased which may be covered under props, sets or wardrobe, or miscellaneous equipment coverage (except, that loss of use of any such equipment is covered), will fall under those respective coverages instead.

This type of exposure is not covered under a Comprehensive Liability policy. Property Damage coverage written as part of the Commercial General Liability Policy excludes damage to any property in the production company’s care, custody or control.

EXTRA EXPENSE INSURANCE

Extra Expense reimburses the production company for any extra expense necessary to complete principal photography of the insured production due to loss of, damage to or destruction of property  or facilities (props, sets, wardrobe or equipment) used in connection with the production.

Coverage can also be extended on some policies for delays due to civil authority, mechanical breakdown of camera equipment, disruption of outside power and non-industry strike.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Tags: Film Location Insurance, Third Party Property Damage, Film Extra Expense, Extra Expense Coverage

Automobile Insurance for Films

Posted by Mike Groner on Jul 21, 2016 9:31:02 AM

Annual_Dice_Banner.jpg

AUTOMOBILE Physical damage INSURANCE FOR PRODUCTION COMPANIES

Covers hired automobiles which are the property of others and for which the insured is liable and which are lost, damaged or destroyed during the term of coverage while such property is used or to be used in connection with the declared production.

Coverage is only for damage to hired vehicles.   Auto Liability coverage needs to be provided by the owner of the vehicle or through the purchase of a separate Auto Liability policy.

Stunt and precision driving is typically excluded on policies.  Can be removed with details on the work being performed.

There is typically no age restriction on age of driver for this coverage.  However, restrictions may be imposed by the rental company.

Non-owned & Hired Automobile liability Insurance for Production Companies

Provides coverage for the policy holder’s legal liability imposed by law for loss arising from the use or operation of any automobile not owned in whole or in part or licensed in the name of the policy holder (Production) and resulting from  bodily injury to or death of any person or damage to property of others not in the care, custody or control of the policy holder.

Coverage applies to vehicles not owned by the policy holder or any partner, officer or employee.

Coverage typically applies within Canada or the USA only.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Up to 14-days with no minimum premium. Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Tags: automobile insurance for films, automobile liability policy for film productions, non-owned auto insurance

Workers’ Compensation Explained

Posted by Mike Groner on Jul 21, 2016 9:30:21 AM

Annual_Dice_Banner.jpgCrew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.

If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and general liability coverage for the production in general.

Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces the film maker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.

The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually waive the right to sue the producer. This is good insurance for the producer.

Sometimes the insurance company or government workers’ comp agency will not provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.

If you are a crew member that gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.

Always ask the producer if you will be covered by workers’ comp even when volunteering on a short shoot in any capacity.

GUILD / UNION TRAVEL ACCIDENT

Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Tags: Film Workers Compensation, Cast and Crew Insurance, Workers Compensation, Workers Comp insurance

Production Equipment and Props/Sets/Wardrobe Insurance Explained

Posted by Mike Groner on Jul 20, 2016 3:36:37 PM

Annual_Dice_Banner.jpg
PRODUCTION EQUIPMENT INSURANCE:

Covers against all risks of direct physical loss, damage or destruction to cameras, camera equipment, sound and lighting equipment, grip equipment, portable electrical equipment and generators, mechanical effects equipment and similar miscellaneous equipment against direct physical loss or damage to said property.  This coverage also typically includes loss of use of property of others for which the renter or producer is legally liable.

The limit of coverage for production equipment should be sufficient to cover the replacement cost of ALL equipment being used on the project.

Equipment owner oporator insurance offered for Canadian film producers.

Most equipment rental houses will include in their contract a statement confirming renter’s requirement to fully insure the equipment in renter’s possession. 

Did You Know?

If you are using an individual’s personal equipment, and your intent is to provide coverage for it while being used on the production, a legal contract must be executed to define your obligations as the insurer will look for your legal obligation to trigger coverage.

PROPS, SETS, & WARDROBE INSURANCE:

Provides coverage on props, sets, scenery, costumes, wardrobe and similar property against all risks of direct physical loss, damage, or destruction during the production.

There are typically restrictions or sub-limits under props/sets/wardrobe coverage  for boats, train, planes, antiques, artwork.

Did You Know?

The insurance company will look for your legal obligation to provide coverage, so if your intent is to insure property being used for PSW, then we recommend that a legal contract be executed to define your obligation.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Up to 14-days with no minimum premium. Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Tags: Film equipment insurance, Film Production Equipment, props sets wardrobe insurance, insurance for film set

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