{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/cast-insurance-for-live-performances-making-the-decision-before-you-have-a-deal","afterPostBody":null,"aifeatures":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"3094894278","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1436390002681,"deletedAt":0,"displayName":"Steve Beatty","email":"","facebook":"","fullName":"Steve Beatty","gravatarUrl":null,"hasSocialProfiles":false,"id":3094986678,"label":"Steve Beatty","language":null,"linkedin":"","name":"Steve Beatty","portalId":61352,"slug":"steve-beatty","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1666901692231,"userId":null,"username":null,"website":""},"blogAuthorId":3094986678,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1436390002681,"deletedAt":0,"displayName":"Steve Beatty","email":"","facebook":"","fullName":"Steve Beatty","gravatarUrl":null,"hasSocialProfiles":false,"id":3094986678,"label":"Steve Beatty","language":null,"linkedin":"","name":"Steve Beatty","portalId":61352,"slug":"steve-beatty","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1666901692231,"userId":null,"username":null,"website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE_NOT_SENT","blueprintTypeId":0,"businessUnitId":null,"campaign":"","campaignName":"","campaignUtm":null,"category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"checkPostLevelAudienceAccessFirst":true,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1436389578000,"createdByAgent":null,"createdById":313859,"createdTime":1436389578000,"crmObjectId":null,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"deletedByEmail":null,"deletedById":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"https://cdn2.hubspot.net/hubfs/61352/casting-forweb.jpg","featuredImageAltText":"Cast Insurance for your live show","featuredImageHeight":161,"featuredImageLength":0,"featuredImageWidth":600,"flexAreas":{},"folderId":null,"footerHtml":null,"freezeDate":1436461680000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":null,"header":null,"htmlTitle":"Cast Insurance For Live Performances","id":3094894278,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isCrawlableByBots":false,"isDraft":false,"isInstanceLayoutPage":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[],"label":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Cast Insurance For Live Performances</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":null,"legacyId":null,"legacyPostGuid":null,"linkRelCanonicalUrl":null,"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"has_user_changes":true,"author_username":"nedia@frontrowinsurance.com","blog_publish_instant_email_task_uid":"DONE","use_featured_image":true,"topic_ids":[956557290,3131630093,7008949748],"author_user_id":4012692,"rss_summary":"<p>Here’s a scenario:</p>\n","featured_image":"https://cdn2.hubspot.net/hubfs/61352/casting-forweb.jpg","keywords":[],"campaign_name":"","post_summary":"<p>Here’s a scenario:</p>\n","meta_description":"Protect your investment by making the decision to purchase Cast Insurance for your live show or theatre company. Cast insurance can be a key component...","html_title":"Cast Insurance For Live Performances","post_body":"\n\n\n\n <span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Here’s a scenario:</p>\n<!--more--><p>You successfully pitched the project, secured the financing, cast a couple of great lead actors in the roles and now you need to get all of the other pieces in place for the show. Of course you need some production insurance, and on this show you want some Cast Insurance on your two leads. They’re both integral to the show and it would bad for you and your investors if an injury, or worse, was to prevent one or both of them from appearing. It’s not a long run; scheduling will make it hard to extend it, so insurance is the way to go to cover the financial exposure of something going wrong with the actors.</p>\n<p>You connect with the broker and he tells you a <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">medical will be required on each actor</a>. You think, “No problem - both are young and healthy”, but your contract with them doesn’t say anything about insurance. One of their agents pushes back, but in the end it’s agreed that the actor will see the doctor.</p>\n<p>The medical is received, but …<em> (as the reader, I’m sure you knew there was going to be a ‘but’ coming)</em> … when the insurance company reviews it, they make note of a history of a medical condition that concerns them. The underwriter researches it and speaks with her company’s consulting physician and learns that the condition is exacerbated by stress and can really flair up if the person becomes fatigued. This is a rigorous and physical show with 6 shows a week. You begin to be concerned.</p>\n<p>The insurers decide this is a risk they don’t want to insure. Now your concern elevates. The financial risk is high and, if the health condition becomes an issue, you will likely need to cancel the show as there won’t be time to re-cast and rehearse a new actor into the remaining scheduled performances.</p>\n<p>As a broker, I have seen this scenario play out many times. So how can it be avoided? What are the steps a Producer can take to protect themselves from facing a major insurance policy exclusion that leaves them with a big financial exposure?</p>\n<p>I recommend that Producers start thinking about <a href=\"/articles/articles/bid/58757/essential-elements-cast-insurance-explained\" rel=\" noopener\">Cast Insurance</a> when they are budgeting their show. If you aren’t able to work the cost of understudies or swings into your budget, or if the success of the run could be affected by the loss of a lead-role actor, then you should be including Cast Insurance as a line item in your show budget.</p>\n<h2>CAST INSURANCE CONCERNS TO CONSIDER:</h2>\n<ul>\n<li><strong>Put it in the contract</strong>. Your deal memos or engagement agreements should always address the insurability of the actor and should secure their consent to see an approved physician for a medical exam.</li>\n<li><strong>Talk to your lawyer</strong>. A pre-signed medical would be ideal, but this could leave you with a discrimination exposure if you decide not to hire based on the findings. It may be appropriate under certain circumstances, but talk to your <a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">lawyer</a> before going down this path. Sometimes the process of negotiating the medical and insurability clause will open a discussion about something that could present an insurance issue.</li>\n<li><strong>Medical &amp; health-related information</strong> obtained through a cast medical is extremely valuable. As Producer, you will be privy to information about conditions which could affect the actor and impact your show.</li>\n<li><strong>Cast Medical Insurance</strong> can exclude pre-existing health conditions, drug, alcohol &amp; substance abuse, psychological disorders and performance issues such as <a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">voice</a> or movement-related issues. If your financial risk is too high because of a health-related exclusion then you need to be able to rely on your contract with the actor to provide you with a remedy. Without the protection of a contract, you may have to accept the exposure of a policy exclusion.</li>\n<li><strong>Think about their family</strong>. The death of an immediate family member during the run will result in the actor needing to take time away from your show. How will you address this? Your insurance coverage can include Family Bereavement coverage to help deal with the costs of an unexpected cancellation, postponement or interruption.</li>\n<li><strong>Build a schedule that works</strong>. When faced with an insurance exclusion, think about how you can schedule your shows to allow time for the person to care for themselves or time for health-care support. Be sure that the actor can maintain their usual health protocols while on your show: their personal wellness is a priority.</li>\n</ul>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast insurance</a> can be a key component of managing the financial risks of a show. It can be used effectively to pay committed production expenses, reimburse pre-production costs and pay for sunk expenses such as media &amp; marketing, and it can be used to pay additional costs associated with re-casting or re-scheduling shows. But, you need to have good information that enables you to develop a contingency plan for dealing with a problem if it occurs.</p>\n<p>As with most things, information and communication are key to structuring a plan for managing cast-related risks, so open the dialogue early, build the insurance costs into your budget, and go out and cast those amazing actors in your show.</p>\n<p>&nbsp;</p>\n<h3><span>Related:</span></h3>\n<p class=\"p1\"><a href=\"/theatre-insurance-101\" rel=\" noopener\">THEATRE INSURANCE 101 / THEATRICAL INSURANCE / PERFORMING ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/self-taping-studio-insurance\" rel=\"noopener\">SELF-TAPING STUDIO INSURANCE / SELF-TAPE STUDIO INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/the-top-10-casting-websites\" rel=\"noopener\">THE TOP 10 CASTING WEBSITES</a></p>\n<p class=\"p1\"><a href=\"/articles/theatre-insurance-reduce-the-potential-disaster-to-a-minor-inconvenience\" rel=\" noopener\">MAKE A POTENTIAL DISASTER A MINOR INCONVENIENCE / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/british-pantomime-and-theatre-insurance\" rel=\" noopener\">BRITISH PANTOMIME AND THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/infamous-stage-disasters-insurance-considerations\" rel=\" noopener\">FAMOUS STAGE DISASTERS / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/theatre-insurance\" rel=\" noopener\">THEATRE INSURANCE - VENUES AND GROUPS / THEATRE COMPANY INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/4-easy-steps-to-reading-an-insurance-policy\" rel=\" noopener\">4 EASY STEPS TO READING A THEATRE INSURANCE POLICY</a></p>\n<p class=\"p1\"><a href=\"/articles/...but-isnt-the-circus-supposed-to-be-dangerous\" rel=\" noopener\">CIRCUS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/circus-acrobatics-aerial-actone\" rel=\" noopener\">AERIAL INSURANCE / AERIAL ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/dance-performance-insurance-venues-and-groups\" rel=\" noopener\">DANCE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/opera-insurance-performance-venues-and-groups\" rel=\" noopener\">OPERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/theatre-dance-and-opera-insurance\" rel=\" noopener\">ACTONE INSURANCE / PERFORMERS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/the-directors-and-officers-insurance-experts-for-arts-groups\" rel=\" noopener\">DIRECTORS AND OFFICERS (D&amp;O) INSURANCE</a></p>\n<p class=\"p1\">CAST INSURANCE FOR LIVE PERFORMERS</p>\n<p class=\"p1\"><a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">INSURANCE FOR BODY PARTS / BODY PART INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/arts-educators\" rel=\" noopener\">PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part1\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part2\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2</a></p>\n<p class=\"p1\"><a href=\"/articles/intimacy-directors-in-the-theatre-world\" rel=\" noopener\">INTIMACY COACHES IN THE THEATRE WORLD / INTIMACY DIRECTORS</a></p>\n<p class=\"p1\"><a href=\"/articles/short-term-theatre-insurance-now-available-online\" rel=\" noopener\">SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS</a></p></span>\n","publish_immediately":false,"author_email":"nedia@frontrowinsurance.com","rss_body":"<p>Here’s a scenario:</p>\n<!--more--><p>You successfully pitched the project, secured the financing, cast a couple of great lead actors in the roles and now you need to get all of the other pieces in place for the show. Of course you need some production insurance, and on this show you want some Cast Insurance on your two leads. They’re both integral to the show and it would bad for you and your investors if an injury, or worse, was to prevent one or both of them from appearing. It’s not a long run; scheduling will make it hard to extend it, so insurance is the way to go to cover the financial exposure of something going wrong with the actors.</p>\n<p>You connect with the broker and he tells you a <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">medical will be required on each actor</a>. You think, “No problem - both are young and healthy”, but your contract with them doesn’t say anything about insurance. One of their agents pushes back, but in the end it’s agreed that the actor will see the doctor.</p>\n<p>The medical is received, but …<em> (as the reader, I’m sure you knew there was going to be a ‘but’ coming)</em> … when the insurance company reviews it, they make note of a history of a medical condition that concerns them. The underwriter researches it and speaks with her company’s consulting physician and learns that the condition is exacerbated by stress and can really flair up if the person becomes fatigued. This is a rigorous and physical show with 6 shows a week. You begin to be concerned.</p>\n<p>The insurers decide this is a risk they don’t want to insure. Now your concern elevates. The financial risk is high and, if the health condition becomes an issue, you will likely need to cancel the show as there won’t be time to re-cast and rehearse a new actor into the remaining scheduled performances.</p>\n<p>As a broker, I have seen this scenario play out many times. So how can it be avoided? What are the steps a Producer can take to protect themselves from facing a major insurance policy exclusion that leaves them with a big financial exposure?</p>\n<p>I recommend that Producers start thinking about <a href=\"/articles/articles/bid/58757/essential-elements-cast-insurance-explained\" rel=\" noopener\">Cast Insurance</a> when they are budgeting their show. If you aren’t able to work the cost of understudies or swings into your budget, or if the success of the run could be affected by the loss of a lead-role actor, then you should be including Cast Insurance as a line item in your show budget.</p>\n<h2>CAST INSURANCE CONCERNS TO CONSIDER:</h2>\n<ul>\n<li><strong>Put it in the contract</strong>. Your deal memos or engagement agreements should always address the insurability of the actor and should secure their consent to see an approved physician for a medical exam.</li>\n<li><strong>Talk to your lawyer</strong>. A pre-signed medical would be ideal, but this could leave you with a discrimination exposure if you decide not to hire based on the findings. It may be appropriate under certain circumstances, but talk to your <a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">lawyer</a> before going down this path. Sometimes the process of negotiating the medical and insurability clause will open a discussion about something that could present an insurance issue.</li>\n<li><strong>Medical &amp; health-related information</strong> obtained through a cast medical is extremely valuable. As Producer, you will be privy to information about conditions which could affect the actor and impact your show.</li>\n<li><strong>Cast Medical Insurance</strong> can exclude pre-existing health conditions, drug, alcohol &amp; substance abuse, psychological disorders and performance issues such as <a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">voice</a> or movement-related issues. If your financial risk is too high because of a health-related exclusion then you need to be able to rely on your contract with the actor to provide you with a remedy. Without the protection of a contract, you may have to accept the exposure of a policy exclusion.</li>\n<li><strong>Think about their family</strong>. The death of an immediate family member during the run will result in the actor needing to take time away from your show. How will you address this? Your insurance coverage can include Family Bereavement coverage to help deal with the costs of an unexpected cancellation, postponement or interruption.</li>\n<li><strong>Build a schedule that works</strong>. When faced with an insurance exclusion, think about how you can schedule your shows to allow time for the person to care for themselves or time for health-care support. Be sure that the actor can maintain their usual health protocols while on your show: their personal wellness is a priority.</li>\n</ul>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast insurance</a> can be a key component of managing the financial risks of a show. It can be used effectively to pay committed production expenses, reimburse pre-production costs and pay for sunk expenses such as media &amp; marketing, and it can be used to pay additional costs associated with re-casting or re-scheduling shows. But, you need to have good information that enables you to develop a contingency plan for dealing with a problem if it occurs.</p>\n<p>As with most things, information and communication are key to structuring a plan for managing cast-related risks, so open the dialogue early, build the insurance costs into your budget, and go out and cast those amazing actors in your show.</p>\n<p>&nbsp;</p>\n<h3><span>Related:</span></h3>\n<p class=\"p1\"><a href=\"/theatre-insurance-101\" rel=\" noopener\">THEATRE INSURANCE 101 / THEATRICAL INSURANCE / PERFORMING ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/self-taping-studio-insurance\" rel=\"noopener\">SELF-TAPING STUDIO INSURANCE / SELF-TAPE STUDIO INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/the-top-10-casting-websites\" rel=\"noopener\">THE TOP 10 CASTING WEBSITES</a></p>\n<p class=\"p1\"><a href=\"/articles/theatre-insurance-reduce-the-potential-disaster-to-a-minor-inconvenience\" rel=\" noopener\">MAKE A POTENTIAL DISASTER A MINOR INCONVENIENCE / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/british-pantomime-and-theatre-insurance\" rel=\" noopener\">BRITISH PANTOMIME AND THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/infamous-stage-disasters-insurance-considerations\" rel=\" noopener\">FAMOUS STAGE DISASTERS / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/theatre-insurance\" rel=\" noopener\">THEATRE INSURANCE - VENUES AND GROUPS / THEATRE COMPANY INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/4-easy-steps-to-reading-an-insurance-policy\" rel=\" noopener\">4 EASY STEPS TO READING A THEATRE INSURANCE POLICY</a></p>\n<p class=\"p1\"><a href=\"/articles/...but-isnt-the-circus-supposed-to-be-dangerous\" rel=\" noopener\">CIRCUS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/circus-acrobatics-aerial-actone\" rel=\" noopener\">AERIAL INSURANCE / AERIAL ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/dance-performance-insurance-venues-and-groups\" rel=\" noopener\">DANCE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/opera-insurance-performance-venues-and-groups\" rel=\" noopener\">OPERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/theatre-dance-and-opera-insurance\" rel=\" noopener\">ACTONE INSURANCE / PERFORMERS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/the-directors-and-officers-insurance-experts-for-arts-groups\" rel=\" noopener\">DIRECTORS AND OFFICERS (D&amp;O) INSURANCE</a></p>\n<p class=\"p1\">CAST INSURANCE FOR LIVE PERFORMERS</p>\n<p class=\"p1\"><a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">INSURANCE FOR BODY PARTS / BODY PART INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/arts-educators\" rel=\" noopener\">PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part1\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part2\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2</a></p>\n<p class=\"p1\"><a href=\"/articles/intimacy-directors-in-the-theatre-world\" rel=\" noopener\">INTIMACY COACHES IN THE THEATRE WORLD / INTIMACY DIRECTORS</a></p>\n<p class=\"p1\"><a href=\"/articles/short-term-theatre-insurance-now-available-online\" rel=\" noopener\">SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS</a></p>","placement_guids":[],"campaign_utm":null,"css":{},"featured_image_alt_text":"Cast Insurance for your live show","enable_google_amp_output_override":false,"css_text":"","last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[956557290,3131630093,7008949748],"link_rel_canonical_url":null,"published_by_id":7915797,"published_at":1649858917047,"blog_publish_to_social_media_task":"DONE_NOT_SENT","head_html":null,"scheduled_update_date":0,"blog_post_schedule_task_uid":null,"featured_image_width":600,"featured_image_height":161,"header":null},"metaDescription":"Protect your investment by making the decision to purchase Cast Insurance for your live show or theatre company. Cast insurance can be a key component...","metaKeywords":null,"name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Cast Insurance For Live Performances</span>","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/car-damage-insurance-film-shutterstock_1145632478-forweb600.jpg","nextPostFeaturedImageAltText":"Car damage: Car Insurance and Film Production Companies","nextPostName":"Automobile Liability Insurance and Film Production Companies","nextPostSlug":"articles/automobile-liability-insurance-and-production","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Cast Insurance For Live Performances","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampCustomCss":"","ampHeaderBackgroundColor":"#ffffff","ampHeaderColor":"#1e1e1e","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampLinkColor":"#416bb3","ampLogoAlt":"Front Row Insurance logo","ampLogoHeight":63,"ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoWidth":175,"analyticsPageId":137640,"attachedStylesheets":[],"audienceAccess":"PUBLIC","businessUnitId":null,"captchaAfterDays":7,"captchaAlways":false,"categoryId":3,"cdnPurgeEmbargoTime":null,"closeCommentsOlder":0,"commentDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentMaxThreadDepth":3,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentShouldCreateContact":true,"commentVerificationText":"","cosObjectType":"BLOG","created":1401900293000,"createdDateTime":1401900293000,"dailyNotificationEmailId":"952268096","dateFormattingLanguage":"en_US","defaultGroupStyleId":"","defaultNotificationFromName":"","defaultNotificationReplyTo":"","deletedAt":0,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","domain":"","domainWhenPublished":"www.frontrowinsurance.com","emailApiSubscriptionId":283237,"enableGoogleAmpOutput":true,"enableSocialAutoPublishing":false,"generateJsonLdEnabled":false,"header":null,"htmlFooter":"<!-- DELTA-->","htmlFooterIsShared":false,"htmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/cast-insurance-for-live-performances-making-the-decision-before-you-have-a-deal\"\n },\n \"headline\": \"Cast Insurance For Live Performances\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/casting-forweb.jpg\"\n },\n \"datePublished\": \"2015-07-09 17:08:00\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Protect your investment by making the decision to purchase Cast Insurance for your live show or theatre company. Cast insurance can be a key component...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"ilsSubscriptionListsByType":{"daily":443,"instant":442,"monthly":441,"weekly":444},"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/cast-insurance-for-live-performances-making-the-decision-before-you-have-a-deal\"\n },\n \"headline\": \"Cast Insurance For Live Performances\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/casting-forweb.jpg\"\n },\n \"datePublished\": \"2015-07-09 17:08:00\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Protect your investment by making the decision to purchase Cast Insurance for your live show or theatre company. Cast insurance can be a key component...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","postsPerListingPage":10,"postsPerRssFeed":10,"publicAccessRules":[],"publicAccessRulesEnabled":false,"publicTitle":"The Front Row View (entertainment insurance blog)","publishDateFormat":"medium","resolvedDomain":"www.frontrowinsurance.com","rootUrl":"https://www.frontrowinsurance.com/articles","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The Front Row View (entertainment insurance blog)","publicAccessRules":[],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1693318083281,"updatedDateTime":1693318083281,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":"","performableVariationLetter":null,"personas":[],"placementGuids":[],"portableKey":null,"portalId":61352,"position":null,"postBody":"\n\n\n\n <span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Here’s a scenario:</p>\n<!--more--><p>You successfully pitched the project, secured the financing, cast a couple of great lead actors in the roles and now you need to get all of the other pieces in place for the show. Of course you need some production insurance, and on this show you want some Cast Insurance on your two leads. They’re both integral to the show and it would bad for you and your investors if an injury, or worse, was to prevent one or both of them from appearing. It’s not a long run; scheduling will make it hard to extend it, so insurance is the way to go to cover the financial exposure of something going wrong with the actors.</p>\n<p>You connect with the broker and he tells you a <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">medical will be required on each actor</a>. You think, “No problem - both are young and healthy”, but your contract with them doesn’t say anything about insurance. One of their agents pushes back, but in the end it’s agreed that the actor will see the doctor.</p>\n<p>The medical is received, but …<em> (as the reader, I’m sure you knew there was going to be a ‘but’ coming)</em> … when the insurance company reviews it, they make note of a history of a medical condition that concerns them. The underwriter researches it and speaks with her company’s consulting physician and learns that the condition is exacerbated by stress and can really flair up if the person becomes fatigued. This is a rigorous and physical show with 6 shows a week. You begin to be concerned.</p>\n<p>The insurers decide this is a risk they don’t want to insure. Now your concern elevates. The financial risk is high and, if the health condition becomes an issue, you will likely need to cancel the show as there won’t be time to re-cast and rehearse a new actor into the remaining scheduled performances.</p>\n<p>As a broker, I have seen this scenario play out many times. So how can it be avoided? What are the steps a Producer can take to protect themselves from facing a major insurance policy exclusion that leaves them with a big financial exposure?</p>\n<p>I recommend that Producers start thinking about <a href=\"/articles/articles/bid/58757/essential-elements-cast-insurance-explained\" rel=\" noopener\">Cast Insurance</a> when they are budgeting their show. If you aren’t able to work the cost of understudies or swings into your budget, or if the success of the run could be affected by the loss of a lead-role actor, then you should be including Cast Insurance as a line item in your show budget.</p>\n<h2>CAST INSURANCE CONCERNS TO CONSIDER:</h2>\n<ul>\n<li><strong>Put it in the contract</strong>. Your deal memos or engagement agreements should always address the insurability of the actor and should secure their consent to see an approved physician for a medical exam.</li>\n<li><strong>Talk to your lawyer</strong>. A pre-signed medical would be ideal, but this could leave you with a discrimination exposure if you decide not to hire based on the findings. It may be appropriate under certain circumstances, but talk to your <a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">lawyer</a> before going down this path. Sometimes the process of negotiating the medical and insurability clause will open a discussion about something that could present an insurance issue.</li>\n<li><strong>Medical &amp; health-related information</strong> obtained through a cast medical is extremely valuable. As Producer, you will be privy to information about conditions which could affect the actor and impact your show.</li>\n<li><strong>Cast Medical Insurance</strong> can exclude pre-existing health conditions, drug, alcohol &amp; substance abuse, psychological disorders and performance issues such as <a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">voice</a> or movement-related issues. If your financial risk is too high because of a health-related exclusion then you need to be able to rely on your contract with the actor to provide you with a remedy. Without the protection of a contract, you may have to accept the exposure of a policy exclusion.</li>\n<li><strong>Think about their family</strong>. The death of an immediate family member during the run will result in the actor needing to take time away from your show. How will you address this? Your insurance coverage can include Family Bereavement coverage to help deal with the costs of an unexpected cancellation, postponement or interruption.</li>\n<li><strong>Build a schedule that works</strong>. When faced with an insurance exclusion, think about how you can schedule your shows to allow time for the person to care for themselves or time for health-care support. Be sure that the actor can maintain their usual health protocols while on your show: their personal wellness is a priority.</li>\n</ul>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast insurance</a> can be a key component of managing the financial risks of a show. It can be used effectively to pay committed production expenses, reimburse pre-production costs and pay for sunk expenses such as media &amp; marketing, and it can be used to pay additional costs associated with re-casting or re-scheduling shows. But, you need to have good information that enables you to develop a contingency plan for dealing with a problem if it occurs.</p>\n<p>As with most things, information and communication are key to structuring a plan for managing cast-related risks, so open the dialogue early, build the insurance costs into your budget, and go out and cast those amazing actors in your show.</p>\n<p>&nbsp;</p>\n<h3><span>Related:</span></h3>\n<p class=\"p1\"><a href=\"/theatre-insurance-101\" rel=\" noopener\">THEATRE INSURANCE 101 / THEATRICAL INSURANCE / PERFORMING ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/self-taping-studio-insurance\" rel=\"noopener\">SELF-TAPING STUDIO INSURANCE / SELF-TAPE STUDIO INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/the-top-10-casting-websites\" rel=\"noopener\">THE TOP 10 CASTING WEBSITES</a></p>\n<p class=\"p1\"><a href=\"/articles/theatre-insurance-reduce-the-potential-disaster-to-a-minor-inconvenience\" rel=\" noopener\">MAKE A POTENTIAL DISASTER A MINOR INCONVENIENCE / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/british-pantomime-and-theatre-insurance\" rel=\" noopener\">BRITISH PANTOMIME AND THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/infamous-stage-disasters-insurance-considerations\" rel=\" noopener\">FAMOUS STAGE DISASTERS / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/theatre-insurance\" rel=\" noopener\">THEATRE INSURANCE - VENUES AND GROUPS / THEATRE COMPANY INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/4-easy-steps-to-reading-an-insurance-policy\" rel=\" noopener\">4 EASY STEPS TO READING A THEATRE INSURANCE POLICY</a></p>\n<p class=\"p1\"><a href=\"/articles/...but-isnt-the-circus-supposed-to-be-dangerous\" rel=\" noopener\">CIRCUS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/circus-acrobatics-aerial-actone\" rel=\" noopener\">AERIAL INSURANCE / AERIAL ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/dance-performance-insurance-venues-and-groups\" rel=\" noopener\">DANCE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/opera-insurance-performance-venues-and-groups\" rel=\" noopener\">OPERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/theatre-dance-and-opera-insurance\" rel=\" noopener\">ACTONE INSURANCE / PERFORMERS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/the-directors-and-officers-insurance-experts-for-arts-groups\" rel=\" noopener\">DIRECTORS AND OFFICERS (D&amp;O) INSURANCE</a></p>\n<p class=\"p1\">CAST INSURANCE FOR LIVE PERFORMERS</p>\n<p class=\"p1\"><a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">INSURANCE FOR BODY PARTS / BODY PART INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/arts-educators\" rel=\" noopener\">PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part1\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part2\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2</a></p>\n<p class=\"p1\"><a href=\"/articles/intimacy-directors-in-the-theatre-world\" rel=\" noopener\">INTIMACY COACHES IN THE THEATRE WORLD / INTIMACY DIRECTORS</a></p>\n<p class=\"p1\"><a href=\"/articles/short-term-theatre-insurance-now-available-online\" rel=\" noopener\">SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS</a></p></span>\n","postBodyRss":"<p>Here’s a scenario:</p>\n<!--more--><p>You successfully pitched the project, secured the financing, cast a couple of great lead actors in the roles and now you need to get all of the other pieces in place for the show. Of course you need some production insurance, and on this show you want some Cast Insurance on your two leads. They’re both integral to the show and it would bad for you and your investors if an injury, or worse, was to prevent one or both of them from appearing. It’s not a long run; scheduling will make it hard to extend it, so insurance is the way to go to cover the financial exposure of something going wrong with the actors.</p>\n<p>You connect with the broker and he tells you a <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">medical will be required on each actor</a>. You think, “No problem - both are young and healthy”, but your contract with them doesn’t say anything about insurance. One of their agents pushes back, but in the end it’s agreed that the actor will see the doctor.</p>\n<p>The medical is received, but …<em> (as the reader, I’m sure you knew there was going to be a ‘but’ coming)</em> … when the insurance company reviews it, they make note of a history of a medical condition that concerns them. The underwriter researches it and speaks with her company’s consulting physician and learns that the condition is exacerbated by stress and can really flair up if the person becomes fatigued. This is a rigorous and physical show with 6 shows a week. You begin to be concerned.</p>\n<p>The insurers decide this is a risk they don’t want to insure. Now your concern elevates. The financial risk is high and, if the health condition becomes an issue, you will likely need to cancel the show as there won’t be time to re-cast and rehearse a new actor into the remaining scheduled performances.</p>\n<p>As a broker, I have seen this scenario play out many times. So how can it be avoided? What are the steps a Producer can take to protect themselves from facing a major insurance policy exclusion that leaves them with a big financial exposure?</p>\n<p>I recommend that Producers start thinking about <a href=\"/articles/articles/bid/58757/essential-elements-cast-insurance-explained\" rel=\" noopener\">Cast Insurance</a> when they are budgeting their show. If you aren’t able to work the cost of understudies or swings into your budget, or if the success of the run could be affected by the loss of a lead-role actor, then you should be including Cast Insurance as a line item in your show budget.</p>\n<h2>CAST INSURANCE CONCERNS TO CONSIDER:</h2>\n<ul>\n<li><strong>Put it in the contract</strong>. Your deal memos or engagement agreements should always address the insurability of the actor and should secure their consent to see an approved physician for a medical exam.</li>\n<li><strong>Talk to your lawyer</strong>. A pre-signed medical would be ideal, but this could leave you with a discrimination exposure if you decide not to hire based on the findings. It may be appropriate under certain circumstances, but talk to your <a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">lawyer</a> before going down this path. Sometimes the process of negotiating the medical and insurability clause will open a discussion about something that could present an insurance issue.</li>\n<li><strong>Medical &amp; health-related information</strong> obtained through a cast medical is extremely valuable. As Producer, you will be privy to information about conditions which could affect the actor and impact your show.</li>\n<li><strong>Cast Medical Insurance</strong> can exclude pre-existing health conditions, drug, alcohol &amp; substance abuse, psychological disorders and performance issues such as <a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">voice</a> or movement-related issues. If your financial risk is too high because of a health-related exclusion then you need to be able to rely on your contract with the actor to provide you with a remedy. Without the protection of a contract, you may have to accept the exposure of a policy exclusion.</li>\n<li><strong>Think about their family</strong>. The death of an immediate family member during the run will result in the actor needing to take time away from your show. How will you address this? Your insurance coverage can include Family Bereavement coverage to help deal with the costs of an unexpected cancellation, postponement or interruption.</li>\n<li><strong>Build a schedule that works</strong>. When faced with an insurance exclusion, think about how you can schedule your shows to allow time for the person to care for themselves or time for health-care support. Be sure that the actor can maintain their usual health protocols while on your show: their personal wellness is a priority.</li>\n</ul>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast insurance</a> can be a key component of managing the financial risks of a show. It can be used effectively to pay committed production expenses, reimburse pre-production costs and pay for sunk expenses such as media &amp; marketing, and it can be used to pay additional costs associated with re-casting or re-scheduling shows. But, you need to have good information that enables you to develop a contingency plan for dealing with a problem if it occurs.</p>\n<p>As with most things, information and communication are key to structuring a plan for managing cast-related risks, so open the dialogue early, build the insurance costs into your budget, and go out and cast those amazing actors in your show.</p>\n<p>&nbsp;</p>\n<h3><span>Related:</span></h3>\n<p class=\"p1\"><a href=\"/theatre-insurance-101\" rel=\" noopener\">THEATRE INSURANCE 101 / THEATRICAL INSURANCE / PERFORMING ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/self-taping-studio-insurance\" rel=\"noopener\">SELF-TAPING STUDIO INSURANCE / SELF-TAPE STUDIO INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/the-top-10-casting-websites\" rel=\"noopener\">THE TOP 10 CASTING WEBSITES</a></p>\n<p class=\"p1\"><a href=\"/articles/theatre-insurance-reduce-the-potential-disaster-to-a-minor-inconvenience\" rel=\" noopener\">MAKE A POTENTIAL DISASTER A MINOR INCONVENIENCE / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/british-pantomime-and-theatre-insurance\" rel=\" noopener\">BRITISH PANTOMIME AND THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/infamous-stage-disasters-insurance-considerations\" rel=\" noopener\">FAMOUS STAGE DISASTERS / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/theatre-insurance\" rel=\" noopener\">THEATRE INSURANCE - VENUES AND GROUPS / THEATRE COMPANY INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/4-easy-steps-to-reading-an-insurance-policy\" rel=\" noopener\">4 EASY STEPS TO READING A THEATRE INSURANCE POLICY</a></p>\n<p class=\"p1\"><a href=\"/articles/...but-isnt-the-circus-supposed-to-be-dangerous\" rel=\" noopener\">CIRCUS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/circus-acrobatics-aerial-actone\" rel=\" noopener\">AERIAL INSURANCE / AERIAL ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/dance-performance-insurance-venues-and-groups\" rel=\" noopener\">DANCE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/opera-insurance-performance-venues-and-groups\" rel=\" noopener\">OPERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/theatre-dance-and-opera-insurance\" rel=\" noopener\">ACTONE INSURANCE / PERFORMERS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/the-directors-and-officers-insurance-experts-for-arts-groups\" rel=\" noopener\">DIRECTORS AND OFFICERS (D&amp;O) INSURANCE</a></p>\n<p class=\"p1\">CAST INSURANCE FOR LIVE PERFORMERS</p>\n<p class=\"p1\"><a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">INSURANCE FOR BODY PARTS / BODY PART INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/arts-educators\" rel=\" noopener\">PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part1\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part2\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2</a></p>\n<p class=\"p1\"><a href=\"/articles/intimacy-directors-in-the-theatre-world\" rel=\" noopener\">INTIMACY COACHES IN THE THEATRE WORLD / INTIMACY DIRECTORS</a></p>\n<p class=\"p1\"><a href=\"/articles/short-term-theatre-insurance-now-available-online\" rel=\" noopener\">SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS</a></p>","postEmailContent":"<p>Here’s a scenario:</p>","postFeaturedImageIfEnabled":"https://cdn2.hubspot.net/hubfs/61352/casting-forweb.jpg","postListContent":"\n\n\n\n <span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Here’s a scenario:</p>\n<!--more--><p>You successfully pitched the project, secured the financing, cast a couple of great lead actors in the roles and now you need to get all of the other pieces in place for the show. Of course you need some production insurance, and on this show you want some Cast Insurance on your two leads. They’re both integral to the show and it would bad for you and your investors if an injury, or worse, was to prevent one or both of them from appearing. It’s not a long run; scheduling will make it hard to extend it, so insurance is the way to go to cover the financial exposure of something going wrong with the actors.</p>\n<p>You connect with the broker and he tells you a <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">medical will be required on each actor</a>. You think, “No problem - both are young and healthy”, but your contract with them doesn’t say anything about insurance. One of their agents pushes back, but in the end it’s agreed that the actor will see the doctor.</p>\n<p>The medical is received, but …<em> (as the reader, I’m sure you knew there was going to be a ‘but’ coming)</em> … when the insurance company reviews it, they make note of a history of a medical condition that concerns them. The underwriter researches it and speaks with her company’s consulting physician and learns that the condition is exacerbated by stress and can really flair up if the person becomes fatigued. This is a rigorous and physical show with 6 shows a week. You begin to be concerned.</p>\n<p>The insurers decide this is a risk they don’t want to insure. Now your concern elevates. The financial risk is high and, if the health condition becomes an issue, you will likely need to cancel the show as there won’t be time to re-cast and rehearse a new actor into the remaining scheduled performances.</p>\n<p>As a broker, I have seen this scenario play out many times. So how can it be avoided? What are the steps a Producer can take to protect themselves from facing a major insurance policy exclusion that leaves them with a big financial exposure?</p>\n<p>I recommend that Producers start thinking about <a href=\"/articles/articles/bid/58757/essential-elements-cast-insurance-explained\" rel=\" noopener\">Cast Insurance</a> when they are budgeting their show. If you aren’t able to work the cost of understudies or swings into your budget, or if the success of the run could be affected by the loss of a lead-role actor, then you should be including Cast Insurance as a line item in your show budget.</p>\n<h2>CAST INSURANCE CONCERNS TO CONSIDER:</h2>\n<ul>\n<li><strong>Put it in the contract</strong>. Your deal memos or engagement agreements should always address the insurability of the actor and should secure their consent to see an approved physician for a medical exam.</li>\n<li><strong>Talk to your lawyer</strong>. A pre-signed medical would be ideal, but this could leave you with a discrimination exposure if you decide not to hire based on the findings. It may be appropriate under certain circumstances, but talk to your <a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">lawyer</a> before going down this path. Sometimes the process of negotiating the medical and insurability clause will open a discussion about something that could present an insurance issue.</li>\n<li><strong>Medical &amp; health-related information</strong> obtained through a cast medical is extremely valuable. As Producer, you will be privy to information about conditions which could affect the actor and impact your show.</li>\n<li><strong>Cast Medical Insurance</strong> can exclude pre-existing health conditions, drug, alcohol &amp; substance abuse, psychological disorders and performance issues such as <a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">voice</a> or movement-related issues. If your financial risk is too high because of a health-related exclusion then you need to be able to rely on your contract with the actor to provide you with a remedy. Without the protection of a contract, you may have to accept the exposure of a policy exclusion.</li>\n<li><strong>Think about their family</strong>. The death of an immediate family member during the run will result in the actor needing to take time away from your show. How will you address this? Your insurance coverage can include Family Bereavement coverage to help deal with the costs of an unexpected cancellation, postponement or interruption.</li>\n<li><strong>Build a schedule that works</strong>. When faced with an insurance exclusion, think about how you can schedule your shows to allow time for the person to care for themselves or time for health-care support. Be sure that the actor can maintain their usual health protocols while on your show: their personal wellness is a priority.</li>\n</ul>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast insurance</a> can be a key component of managing the financial risks of a show. It can be used effectively to pay committed production expenses, reimburse pre-production costs and pay for sunk expenses such as media &amp; marketing, and it can be used to pay additional costs associated with re-casting or re-scheduling shows. But, you need to have good information that enables you to develop a contingency plan for dealing with a problem if it occurs.</p>\n<p>As with most things, information and communication are key to structuring a plan for managing cast-related risks, so open the dialogue early, build the insurance costs into your budget, and go out and cast those amazing actors in your show.</p>\n<p>&nbsp;</p>\n<h3><span>Related:</span></h3>\n<p class=\"p1\"><a href=\"/theatre-insurance-101\" rel=\" noopener\">THEATRE INSURANCE 101 / THEATRICAL INSURANCE / PERFORMING ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/self-taping-studio-insurance\" rel=\"noopener\">SELF-TAPING STUDIO INSURANCE / SELF-TAPE STUDIO INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/the-top-10-casting-websites\" rel=\"noopener\">THE TOP 10 CASTING WEBSITES</a></p>\n<p class=\"p1\"><a href=\"/articles/theatre-insurance-reduce-the-potential-disaster-to-a-minor-inconvenience\" rel=\" noopener\">MAKE A POTENTIAL DISASTER A MINOR INCONVENIENCE / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/british-pantomime-and-theatre-insurance\" rel=\" noopener\">BRITISH PANTOMIME AND THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/infamous-stage-disasters-insurance-considerations\" rel=\" noopener\">FAMOUS STAGE DISASTERS / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/theatre-insurance\" rel=\" noopener\">THEATRE INSURANCE - VENUES AND GROUPS / THEATRE COMPANY INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/4-easy-steps-to-reading-an-insurance-policy\" rel=\" noopener\">4 EASY STEPS TO READING A THEATRE INSURANCE POLICY</a></p>\n<p class=\"p1\"><a href=\"/articles/...but-isnt-the-circus-supposed-to-be-dangerous\" rel=\" noopener\">CIRCUS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/circus-acrobatics-aerial-actone\" rel=\" noopener\">AERIAL INSURANCE / AERIAL ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/dance-performance-insurance-venues-and-groups\" rel=\" noopener\">DANCE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/opera-insurance-performance-venues-and-groups\" rel=\" noopener\">OPERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/theatre-dance-and-opera-insurance\" rel=\" noopener\">ACTONE INSURANCE / PERFORMERS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/the-directors-and-officers-insurance-experts-for-arts-groups\" rel=\" noopener\">DIRECTORS AND OFFICERS (D&amp;O) INSURANCE</a></p>\n<p class=\"p1\">CAST INSURANCE FOR LIVE PERFORMERS</p>\n<p class=\"p1\"><a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">INSURANCE FOR BODY PARTS / BODY PART INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/arts-educators\" rel=\" noopener\">PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part1\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part2\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2</a></p>\n<p class=\"p1\"><a href=\"/articles/intimacy-directors-in-the-theatre-world\" rel=\" noopener\">INTIMACY COACHES IN THE THEATRE WORLD / INTIMACY DIRECTORS</a></p>\n<p class=\"p1\"><a href=\"/articles/short-term-theatre-insurance-now-available-online\" rel=\" noopener\">SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS</a></p></span>\n","postListSummaryFeaturedImage":"","postRssContent":"<p>Here’s a scenario:</p>","postRssSummaryFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/casting-forweb.jpg","postSummary":"<p>Here’s a scenario:</p>\n","postSummaryRss":"<p>Here’s a scenario:</p>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"XGyDOmbO","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/trademark-shutterstock_2032604168-forweb600.jpg","previousPostFeaturedImageAltText":"Trademark stamp: What is a Trademark?","previousPostName":"What is a Trademark? Trademarks Explained","previousPostSlug":"articles/what-is-a-trade-mark","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[],"publicAccessRulesEnabled":false,"publishDate":1436461680000,"publishDateLocalTime":1436461680000,"publishDateLocalized":{"date":1436461680000,"format":"medium","language":"en_US"},"publishImmediately":false,"publishTimezoneOffset":null,"publishedAt":1649858917047,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/cast-insurance-for-live-performances-making-the-decision-before-you-have-a-deal","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<p>Here’s a scenario:</p>\n<!--more--><p>You successfully pitched the project, secured the financing, cast a couple of great lead actors in the roles and now you need to get all of the other pieces in place for the show. Of course you need some production insurance, and on this show you want some Cast Insurance on your two leads. They’re both integral to the show and it would bad for you and your investors if an injury, or worse, was to prevent one or both of them from appearing. It’s not a long run; scheduling will make it hard to extend it, so insurance is the way to go to cover the financial exposure of something going wrong with the actors.</p>\n<p>You connect with the broker and he tells you a <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">medical will be required on each actor</a>. You think, “No problem - both are young and healthy”, but your contract with them doesn’t say anything about insurance. One of their agents pushes back, but in the end it’s agreed that the actor will see the doctor.</p>\n<p>The medical is received, but …<em> (as the reader, I’m sure you knew there was going to be a ‘but’ coming)</em> … when the insurance company reviews it, they make note of a history of a medical condition that concerns them. The underwriter researches it and speaks with her company’s consulting physician and learns that the condition is exacerbated by stress and can really flair up if the person becomes fatigued. This is a rigorous and physical show with 6 shows a week. You begin to be concerned.</p>\n<p>The insurers decide this is a risk they don’t want to insure. Now your concern elevates. The financial risk is high and, if the health condition becomes an issue, you will likely need to cancel the show as there won’t be time to re-cast and rehearse a new actor into the remaining scheduled performances.</p>\n<p>As a broker, I have seen this scenario play out many times. So how can it be avoided? What are the steps a Producer can take to protect themselves from facing a major insurance policy exclusion that leaves them with a big financial exposure?</p>\n<p>I recommend that Producers start thinking about <a href=\"/articles/articles/bid/58757/essential-elements-cast-insurance-explained\" rel=\" noopener\">Cast Insurance</a> when they are budgeting their show. If you aren’t able to work the cost of understudies or swings into your budget, or if the success of the run could be affected by the loss of a lead-role actor, then you should be including Cast Insurance as a line item in your show budget.</p>\n<h2>CAST INSURANCE CONCERNS TO CONSIDER:</h2>\n<ul>\n<li><strong>Put it in the contract</strong>. Your deal memos or engagement agreements should always address the insurability of the actor and should secure their consent to see an approved physician for a medical exam.</li>\n<li><strong>Talk to your lawyer</strong>. A pre-signed medical would be ideal, but this could leave you with a discrimination exposure if you decide not to hire based on the findings. It may be appropriate under certain circumstances, but talk to your <a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\" noopener\">lawyer</a> before going down this path. Sometimes the process of negotiating the medical and insurability clause will open a discussion about something that could present an insurance issue.</li>\n<li><strong>Medical &amp; health-related information</strong> obtained through a cast medical is extremely valuable. As Producer, you will be privy to information about conditions which could affect the actor and impact your show.</li>\n<li><strong>Cast Medical Insurance</strong> can exclude pre-existing health conditions, drug, alcohol &amp; substance abuse, psychological disorders and performance issues such as <a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">voice</a> or movement-related issues. If your financial risk is too high because of a health-related exclusion then you need to be able to rely on your contract with the actor to provide you with a remedy. Without the protection of a contract, you may have to accept the exposure of a policy exclusion.</li>\n<li><strong>Think about their family</strong>. The death of an immediate family member during the run will result in the actor needing to take time away from your show. How will you address this? Your insurance coverage can include Family Bereavement coverage to help deal with the costs of an unexpected cancellation, postponement or interruption.</li>\n<li><strong>Build a schedule that works</strong>. When faced with an insurance exclusion, think about how you can schedule your shows to allow time for the person to care for themselves or time for health-care support. Be sure that the actor can maintain their usual health protocols while on your show: their personal wellness is a priority.</li>\n</ul>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast insurance</a> can be a key component of managing the financial risks of a show. It can be used effectively to pay committed production expenses, reimburse pre-production costs and pay for sunk expenses such as media &amp; marketing, and it can be used to pay additional costs associated with re-casting or re-scheduling shows. But, you need to have good information that enables you to develop a contingency plan for dealing with a problem if it occurs.</p>\n<p>As with most things, information and communication are key to structuring a plan for managing cast-related risks, so open the dialogue early, build the insurance costs into your budget, and go out and cast those amazing actors in your show.</p>\n<p>&nbsp;</p>\n<h3><span>Related:</span></h3>\n<p class=\"p1\"><a href=\"/theatre-insurance-101\" rel=\" noopener\">THEATRE INSURANCE 101 / THEATRICAL INSURANCE / PERFORMING ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/self-taping-studio-insurance\" rel=\"noopener\">SELF-TAPING STUDIO INSURANCE / SELF-TAPE STUDIO INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/the-top-10-casting-websites\" rel=\"noopener\">THE TOP 10 CASTING WEBSITES</a></p>\n<p class=\"p1\"><a href=\"/articles/theatre-insurance-reduce-the-potential-disaster-to-a-minor-inconvenience\" rel=\" noopener\">MAKE A POTENTIAL DISASTER A MINOR INCONVENIENCE / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/british-pantomime-and-theatre-insurance\" rel=\" noopener\">BRITISH PANTOMIME AND THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/infamous-stage-disasters-insurance-considerations\" rel=\" noopener\">FAMOUS STAGE DISASTERS / THEATRE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/theatre-insurance\" rel=\" noopener\">THEATRE INSURANCE - VENUES AND GROUPS / THEATRE COMPANY INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/4-easy-steps-to-reading-an-insurance-policy\" rel=\" noopener\">4 EASY STEPS TO READING A THEATRE INSURANCE POLICY</a></p>\n<p class=\"p1\"><a href=\"/articles/...but-isnt-the-circus-supposed-to-be-dangerous\" rel=\" noopener\">CIRCUS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/circus-acrobatics-aerial-actone\" rel=\" noopener\">AERIAL INSURANCE / AERIAL ARTS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/dance-performance-insurance-venues-and-groups\" rel=\" noopener\">DANCE INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/opera-insurance-performance-venues-and-groups\" rel=\" noopener\">OPERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/theatre-dance-and-opera-insurance\" rel=\" noopener\">ACTONE INSURANCE / PERFORMERS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/the-directors-and-officers-insurance-experts-for-arts-groups\" rel=\" noopener\">DIRECTORS AND OFFICERS (D&amp;O) INSURANCE</a></p>\n<p class=\"p1\">CAST INSURANCE FOR LIVE PERFORMERS</p>\n<p class=\"p1\"><a href=\"/articles/articles/bid/25404/insurance-for-body-parts\" rel=\" noopener\">INSURANCE FOR BODY PARTS / BODY PART INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/en-ca/arts-educators\" rel=\" noopener\">PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part1\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1</a></p>\n<p class=\"p1\"><a href=\"/articles/safeguarding-your-students-art-school-part2\" rel=\" noopener\">SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2</a></p>\n<p class=\"p1\"><a href=\"/articles/intimacy-directors-in-the-theatre-world\" rel=\" noopener\">INTIMACY COACHES IN THE THEATRE WORLD / INTIMACY DIRECTORS</a></p>\n<p class=\"p1\"><a href=\"/articles/short-term-theatre-insurance-now-available-online\" rel=\" noopener\">SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS</a></p>","rssSummary":"<p>Here’s a 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Cast Insurance For Live Performances

Cast Insurance for your live show

Here’s a scenario:

You successfully pitched the project, secured the financing, cast a couple of great lead actors in the roles and now you need to get all of the other pieces in place for the show. Of course you need some production insurance, and on this show you want some Cast Insurance on your two leads. They’re both integral to the show and it would bad for you and your investors if an injury, or worse, was to prevent one or both of them from appearing. It’s not a long run; scheduling will make it hard to extend it, so insurance is the way to go to cover the financial exposure of something going wrong with the actors.

You connect with the broker and he tells you a medical will be required on each actor. You think, “No problem - both are young and healthy”, but your contract with them doesn’t say anything about insurance. One of their agents pushes back, but in the end it’s agreed that the actor will see the doctor.

The medical is received, but … (as the reader, I’m sure you knew there was going to be a ‘but’ coming) … when the insurance company reviews it, they make note of a history of a medical condition that concerns them. The underwriter researches it and speaks with her company’s consulting physician and learns that the condition is exacerbated by stress and can really flair up if the person becomes fatigued. This is a rigorous and physical show with 6 shows a week. You begin to be concerned.

The insurers decide this is a risk they don’t want to insure. Now your concern elevates. The financial risk is high and, if the health condition becomes an issue, you will likely need to cancel the show as there won’t be time to re-cast and rehearse a new actor into the remaining scheduled performances.

As a broker, I have seen this scenario play out many times. So how can it be avoided? What are the steps a Producer can take to protect themselves from facing a major insurance policy exclusion that leaves them with a big financial exposure?

I recommend that Producers start thinking about Cast Insurance when they are budgeting their show. If you aren’t able to work the cost of understudies or swings into your budget, or if the success of the run could be affected by the loss of a lead-role actor, then you should be including Cast Insurance as a line item in your show budget.

CAST INSURANCE CONCERNS TO CONSIDER:

  • Put it in the contract. Your deal memos or engagement agreements should always address the insurability of the actor and should secure their consent to see an approved physician for a medical exam.
  • Talk to your lawyer. A pre-signed medical would be ideal, but this could leave you with a discrimination exposure if you decide not to hire based on the findings. It may be appropriate under certain circumstances, but talk to your lawyer before going down this path. Sometimes the process of negotiating the medical and insurability clause will open a discussion about something that could present an insurance issue.
  • Medical & health-related information obtained through a cast medical is extremely valuable. As Producer, you will be privy to information about conditions which could affect the actor and impact your show.
  • Cast Medical Insurance can exclude pre-existing health conditions, drug, alcohol & substance abuse, psychological disorders and performance issues such as voice or movement-related issues. If your financial risk is too high because of a health-related exclusion then you need to be able to rely on your contract with the actor to provide you with a remedy. Without the protection of a contract, you may have to accept the exposure of a policy exclusion.
  • Think about their family. The death of an immediate family member during the run will result in the actor needing to take time away from your show. How will you address this? Your insurance coverage can include Family Bereavement coverage to help deal with the costs of an unexpected cancellation, postponement or interruption.
  • Build a schedule that works. When faced with an insurance exclusion, think about how you can schedule your shows to allow time for the person to care for themselves or time for health-care support. Be sure that the actor can maintain their usual health protocols while on your show: their personal wellness is a priority.

Cast insurance can be a key component of managing the financial risks of a show. It can be used effectively to pay committed production expenses, reimburse pre-production costs and pay for sunk expenses such as media & marketing, and it can be used to pay additional costs associated with re-casting or re-scheduling shows. But, you need to have good information that enables you to develop a contingency plan for dealing with a problem if it occurs.

As with most things, information and communication are key to structuring a plan for managing cast-related risks, so open the dialogue early, build the insurance costs into your budget, and go out and cast those amazing actors in your show.

 

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CAST INSURANCE FOR LIVE PERFORMERS

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SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1

SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2

INTIMACY COACHES IN THE THEATRE WORLD / INTIMACY DIRECTORS

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