{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/paddy-and-nico-and-key-person-insurance","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"3192934961","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":null,"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":1436390002681,"userId":null,"username":null,"website":""},"blogAuthorId":3094986678,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1436390002681,"deletedAt":0,"displayName":"Steve Beatty","email":null,"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":1436390002681,"userId":null,"username":null,"website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE_NOT_SENT","blueprintTypeId":0,"businessUnitId":null,"campaign":null,"campaignName":null,"campaignUtm":null,"category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1438986758000,"createdById":null,"createdTime":1438986758000,"crmObjectId":null,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg","featuredImageAltText":"","featuredImageHeight":195,"featuredImageLength":0,"featuredImageWidth":243,"flexAreas":{},"folderId":null,"footerHtml":null,"freezeDate":1438987676000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":null,"header":null,"htmlTitle":"Paddy And Nico And Key Person Insurance","id":3192934961,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":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\" >Paddy And Nico And Key Person Insurance</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":[956557290,3131630093,3238974970,3243019808],"placement_guids":[],"rss_summary":"<h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n","featured_image":"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg","keywords":[],"campaign_name":null,"post_summary":"<h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n","meta_description":"While having a dance team so different in age added some fun to Britain's Got Talent, it would raise some red flags from a Key Person Insurance standpoint.","html_title":"Paddy And Nico And Key Person Insurance","post_body":"<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\" ><h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n<!--more-->\n<p>The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on <a href=\"https://events.frontrowinsurance.com/\" rel=\" noopener\">event insurance</a> and key person insurance in general.</p>\n<p>Firstly when insuring these performers, it would have been <img style=\"float: right;\" alt=\"cultureONE-image-perform-arts\" src=\"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\" align=\"right\">significantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person&nbsp;dancing on a live show are far greater than those of a younger person in prime health. As&nbsp;we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in&nbsp;place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.</p>\n<p>In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result,&nbsp;the duo simply withdrew from the show altogether.</p>\n<p>While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.</p>\n<p>Front Row Insurance Brokers Can Arrange Key Person Insurance for you. <a href=\"/theatre-insurance\">Learn More</a></p>\n<h3>RELATED:</h3>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">CAST INSURANCE</a></p>\n<p><a href=\"/articles/the-business-aftermath-of-an-artist-key-man-insurance-and-talent-management-companies\" rel=\" noopener\">THE BUSINESS AFTERMATH OF AN ARTISTS DEATH: KEY MAN INSURANCE</a></p>\n<p><a href=\"/key-person-disability\" rel=\" noopener\">KEY PERSON DISABILITY</a></p></span>","publish_immediately":true,"author_email":"nedia@frontrowinsurance.com","rss_body":"<h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n<!--more-->\n<p>The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on <a href=\"https://events.frontrowinsurance.com/\" rel=\" noopener\">event insurance</a> and key person insurance in general.</p>\n<p>Firstly when insuring these performers, it would have been <img style=\"float: right;\" alt=\"cultureONE-image-perform-arts\" src=\"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\" align=\"right\">significantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person&nbsp;dancing on a live show are far greater than those of a younger person in prime health. As&nbsp;we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in&nbsp;place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.</p>\n<p>In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result,&nbsp;the duo simply withdrew from the show altogether.</p>\n<p>While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.</p>\n<p>Front Row Insurance Brokers Can Arrange Key Person Insurance for you. <a href=\"/theatre-insurance\">Learn More</a></p>\n<h3>RELATED:</h3>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">CAST INSURANCE</a></p>\n<p><a href=\"/articles/the-business-aftermath-of-an-artist-key-man-insurance-and-talent-management-companies\" rel=\" noopener\">THE BUSINESS AFTERMATH OF AN ARTISTS DEATH: KEY MAN INSURANCE</a></p>\n<p><a href=\"/key-person-disability\" rel=\" noopener\">KEY PERSON DISABILITY</a></p>","author_user_id":4012692,"css":{},"campaign_utm":null,"featured_image_alt_text":"","enable_google_amp_output_override":false,"css_text":"","last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[956557290,3131630093,3238974970,3243019808],"link_rel_canonical_url":null,"published_by_id":7915797,"published_at":1649964157186,"blog_publish_to_social_media_task":"DONE_NOT_SENT","head_html":null,"blog_post_schedule_task_uid":null,"scheduled_update_date":0,"featured_image_width":243,"featured_image_height":195,"header":null},"metaDescription":"While having a dance team so different in age added some fun to Britain's Got Talent, it would raise some red flags from a Key Person Insurance standpoint.","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\" >Paddy And Nico And Key Person Insurance</span>","nextPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/images/photography/1digital-camera-gear-shutterstock_429406045-300x175.jpg","nextPostFeaturedImageAltText":"How To Reduce The Cost To Insure Your Photography Equipment","nextPostName":"How To Reduce The Cost To Insure Your Photography Equipment","nextPostSlug":"articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Paddy And Nico And Key Person Insurance","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/paddy-and-nico-and-key-person-insurance\"\n },\n \"headline\": \"Paddy And Nico And Key Person Insurance\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\"\n },\n \"datePublished\": \"2015-08-07 22:47:56\",\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\": \"While having a dance team so different in age added some fun to Britain's Got Talent, it would raise some red flags from a Key Person Insurance standpoint.\"\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,"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/paddy-and-nico-and-key-person-insurance\"\n },\n \"headline\": \"Paddy And Nico And Key Person Insurance\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\"\n },\n \"datePublished\": \"2015-08-07 22:47:56\",\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\": \"While having a dance team so different in age added some fun to Britain's Got Talent, it would raise some red flags from a Key Person Insurance standpoint.\"\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":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"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":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"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":"<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\" ><h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n<!--more-->\n<p>The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on <a href=\"https://events.frontrowinsurance.com/\" rel=\" noopener\">event insurance</a> and key person insurance in general.</p>\n<p>Firstly when insuring these performers, it would have been <img style=\"float: right;\" alt=\"cultureONE-image-perform-arts\" src=\"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\" align=\"right\">significantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person&nbsp;dancing on a live show are far greater than those of a younger person in prime health. As&nbsp;we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in&nbsp;place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.</p>\n<p>In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result,&nbsp;the duo simply withdrew from the show altogether.</p>\n<p>While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.</p>\n<p>Front Row Insurance Brokers Can Arrange Key Person Insurance for you. <a href=\"/theatre-insurance\">Learn More</a></p>\n<h3>RELATED:</h3>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">CAST INSURANCE</a></p>\n<p><a href=\"/articles/the-business-aftermath-of-an-artist-key-man-insurance-and-talent-management-companies\" rel=\" noopener\">THE BUSINESS AFTERMATH OF AN ARTISTS DEATH: KEY MAN INSURANCE</a></p>\n<p><a href=\"/key-person-disability\" rel=\" noopener\">KEY PERSON DISABILITY</a></p></span>","postBodyRss":"<h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n<!--more-->\n<p>The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on <a href=\"https://events.frontrowinsurance.com/\" rel=\" noopener\">event insurance</a> and key person insurance in general.</p>\n<p>Firstly when insuring these performers, it would have been <img style=\"float: right;\" alt=\"cultureONE-image-perform-arts\" src=\"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\" align=\"right\">significantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person&nbsp;dancing on a live show are far greater than those of a younger person in prime health. As&nbsp;we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in&nbsp;place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.</p>\n<p>In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result,&nbsp;the duo simply withdrew from the show altogether.</p>\n<p>While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.</p>\n<p>Front Row Insurance Brokers Can Arrange Key Person Insurance for you. <a href=\"/theatre-insurance\">Learn More</a></p>\n<h3>RELATED:</h3>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">CAST INSURANCE</a></p>\n<p><a href=\"/articles/the-business-aftermath-of-an-artist-key-man-insurance-and-talent-management-companies\" rel=\" noopener\">THE BUSINESS AFTERMATH OF AN ARTISTS DEATH: KEY MAN INSURANCE</a></p>\n<p><a href=\"/key-person-disability\" rel=\" noopener\">KEY PERSON DISABILITY</a></p>","postEmailContent":"<h2>KEY PERSON INSURANCE</h2> \n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>","postFeaturedImageIfEnabled":"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg","postListContent":"<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\" ><h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n<!--more-->\n<p>The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on <a href=\"https://events.frontrowinsurance.com/\" rel=\" noopener\">event insurance</a> and key person insurance in general.</p>\n<p>Firstly when insuring these performers, it would have been <img style=\"float: right;\" alt=\"cultureONE-image-perform-arts\" src=\"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\" align=\"right\">significantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person&nbsp;dancing on a live show are far greater than those of a younger person in prime health. As&nbsp;we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in&nbsp;place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.</p>\n<p>In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result,&nbsp;the duo simply withdrew from the show altogether.</p>\n<p>While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.</p>\n<p>Front Row Insurance Brokers Can Arrange Key Person Insurance for you. <a href=\"/theatre-insurance\">Learn More</a></p>\n<h3>RELATED:</h3>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">CAST INSURANCE</a></p>\n<p><a href=\"/articles/the-business-aftermath-of-an-artist-key-man-insurance-and-talent-management-companies\" rel=\" noopener\">THE BUSINESS AFTERMATH OF AN ARTISTS DEATH: KEY MAN INSURANCE</a></p>\n<p><a href=\"/key-person-disability\" rel=\" noopener\">KEY PERSON DISABILITY</a></p></span>","postListSummaryFeaturedImage":"","postRssContent":"<h2>KEY PERSON INSURANCE</h2> \n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>","postRssSummaryFeaturedImage":"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg","postSummary":"<h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n","postSummaryRss":"<h2>KEY PERSON INSURANCE</h2> \n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"-5qD_kn_","previousPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/circus/jack-beanstock-shutterstock_494347219-forweb300.jpg","previousPostFeaturedImageAltText":"British Pantomime And Theatre Insurance","previousPostName":"British Pantomime And Theatre Insurance","previousPostSlug":"articles/british-pantomime-and-theatre-insurance","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1438987676000,"publishDateLocalTime":1438987676000,"publishDateLocalized":{"date":1438987676000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1649964157186,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/paddy-and-nico-and-key-person-insurance","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n<!--more-->\n<p>The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on <a href=\"https://events.frontrowinsurance.com/\" rel=\" noopener\">event insurance</a> and key person insurance in general.</p>\n<p>Firstly when insuring these performers, it would have been <img style=\"float: right;\" alt=\"cultureONE-image-perform-arts\" src=\"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg\" align=\"right\">significantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person&nbsp;dancing on a live show are far greater than those of a younger person in prime health. As&nbsp;we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in&nbsp;place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.</p>\n<p>In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result,&nbsp;the duo simply withdrew from the show altogether.</p>\n<p>While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.</p>\n<p>Front Row Insurance Brokers Can Arrange Key Person Insurance for you. <a href=\"/theatre-insurance\">Learn More</a></p>\n<h3>RELATED:</h3>\n<p><a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">CAST INSURANCE</a></p>\n<p><a href=\"/articles/the-business-aftermath-of-an-artist-key-man-insurance-and-talent-management-companies\" rel=\" noopener\">THE BUSINESS AFTERMATH OF AN ARTISTS DEATH: KEY MAN INSURANCE</a></p>\n<p><a href=\"/key-person-disability\" rel=\" noopener\">KEY PERSON DISABILITY</a></p>","rssSummary":"<h2>KEY PERSON INSURANCE</h2>\n<p><em>Britain’s Got Talent</em> was thrown a curve ball when dance&nbsp;duo “Paddy and Nico” had to withdraw from the competition.</p>\n","rssSummaryFeaturedImage":"http://cdn2.hubspot.net/hubfs/61352/June_2015_-_cultureONE_FLASH_film/cultureONE-image-perform-arts.jpg","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1660068690904,"screenshotPreviewUrl":"https://cdn1.hubspot.net/hubshotv3/prod/e/0/54c261c5-289f-4540-9a5b-5073a7037fa5.png","sections":{},"securityState":"NONE","siteId":0,"slug":"articles/paddy-and-nico-and-key-person-insurance","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"normal_blog_post","syncedWithBlogRoot":true,"tagIds":[956557290,3131630093,3238974970,3243019808],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901861000,"deletedAt":0,"description":"","id":956557290,"label":"Cast Insurance","language":null,"name":"Cast Insurance","portalId":61352,"slug":"cast-insurance","translatedFromId":null,"translations":{},"updated":1401901861001},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1437068210000,"deletedAt":0,"description":"","id":3131630093,"label":"Theatre Insurance","language":null,"name":"Theatre Insurance","portalId":61352,"slug":"theatre-insurance","translatedFromId":null,"translations":{},"updated":1437068210001},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438987505673,"deletedAt":0,"description":"","id":3238974970,"label":"Event insurance Canada","language":"en","name":"Event insurance Canada","portalId":61352,"slug":"event-insurance-canada","translatedFromId":null,"translations":{},"updated":1649863292856},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438986257944,"deletedAt":0,"description":"","id":3243019808,"label":"Key Person Insurance","language":null,"name":"Key Person Insurance","portalId":61352,"slug":"key-person-insurance","translatedFromId":null,"translations":{},"updated":1438986257945}],"tagNames":["Cast Insurance","Theatre Insurance","Event insurance Canada","Key Person Insurance"],"teamPerms":[],"templatePath":"","templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","themePath":null,"themeSettingsValues":null,"title":"Paddy And Nico And Key Person Insurance","tmsId":null,"topicIds":[956557290,3131630093,3238974970,3243019808],"topicList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901861000,"deletedAt":0,"description":"","id":956557290,"label":"Cast Insurance","language":null,"name":"Cast Insurance","portalId":61352,"slug":"cast-insurance","translatedFromId":null,"translations":{},"updated":1401901861001},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1437068210000,"deletedAt":0,"description":"","id":3131630093,"label":"Theatre Insurance","language":null,"name":"Theatre Insurance","portalId":61352,"slug":"theatre-insurance","translatedFromId":null,"translations":{},"updated":1437068210001},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438987505673,"deletedAt":0,"description":"","id":3238974970,"label":"Event insurance Canada","language":"en","name":"Event insurance Canada","portalId":61352,"slug":"event-insurance-canada","translatedFromId":null,"translations":{},"updated":1649863292856},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1438986257944,"deletedAt":0,"description":"","id":3243019808,"label":"Key Person Insurance","language":null,"name":"Key Person Insurance","portalId":61352,"slug":"key-person-insurance","translatedFromId":null,"translations":{},"updated":1438986257945}],"topicNames":["Cast Insurance","Theatre Insurance","Event insurance Canada","Key Person Insurance"],"topics":[956557290,3131630093,3238974970,3243019808],"translatedContent":{},"translatedFromId":null,"translations":{},"tweet":null,"tweetAt":null,"tweetImmediately":false,"unpublishedAt":0,"updated":1660068690700,"updatedById":7915797,"upsizeFeaturedImage":false,"url":"https://www.frontrowinsurance.com/articles/paddy-and-nico-and-key-person-insurance","useFeaturedImage":true,"userPerms":[],"views":0,"visibleToAll":null,"widgetContainers":{"Sidebar_Modules":{"deleted_at":1572024842954,"widgets":[{"body":{"overrideable":false,"response_message":"Thanks for Subscribing!","select_blog":"default","title":"Subscribe to Email Updates"},"child_css":{},"css":{},"deleted_at":1572024842954,"id":1489020389721,"label":"Blog Email Subscription","order":0,"type":"blog_subscribe"}]}},"widgetcontainers":{},"widgets":{"google_search":{"body":{"prefill_input_with_pathname":false,"search_button_text":"Search","search_field_label":"Search"},"child_css":{},"css":{},"definition_id":null,"deleted_at":1572024842954,"id":"google_search","label":"google_search","name":"google_search","smart_objects":[],"smart_type":null,"type":"google_search"},"menu_footer_primary":{"body":{},"child_css":{},"css":{},"definition_id":null,"deleted_at":1572024842954,"id":"menu_footer_primary","label":"Menu Footer Primary","name":"menu_footer_primary","smart_objects":[],"smart_type":null,"type":"menu"},"menu_footer_sector_categories":{"body":{},"child_css":{},"css":{},"definition_id":null,"deleted_at":1572024842954,"id":"menu_footer_sector_categories","label":"Menu Footer Sector Categories","name":"menu_footer_sector_categories","smart_objects":[],"smart_type":null,"type":"menu"},"menu_header_all_sectors":{"body":{},"child_css":{},"css":{},"definition_id":null,"deleted_at":1572024842954,"id":"menu_header_all_sectors","label":"Menu Header All Sectors","name":"menu_header_all_sectors","smart_objects":[],"smart_type":null,"type":"menu"},"menu_header_primary":{"body":{},"child_css":{},"css":{},"definition_id":null,"deleted_at":1572024842954,"id":"menu_header_primary","label":"Menu Header Primary","name":"menu_header_primary","smart_objects":[],"smart_type":null,"type":"menu"},"menu_header_sector_categories":{"body":{},"child_css":{},"css":{},"definition_id":null,"deleted_at":1572024842954,"id":"menu_header_sector_categories","label":"Menu Header Sector Categories","name":"menu_header_sector_categories","smart_objects":[],"smart_type":null,"type":"menu"},"module_156398965931111":{"body":{"definition_id":null,"module_id":8696351,"path":"/Marketplace/HubSpot/Team_Member/Team Member","per_widget_wrapper_html":"","smart_objects":null,"smart_type":"NOT_SMART","tag":"module","type":"module","widget_name":"Team Member","wrapping_html":""},"child_css":{},"css":{},"deleted_at":1649964156403,"id":"module_156398965931111","label":"Team Member","module_id":8696351,"name":"module_156398965931111","order":9,"smart_type":null,"type":"module"}}}

Paddy And Nico And Key Person Insurance

KEY PERSON INSURANCE

Britain’s Got Talent was thrown a curve ball when dance duo “Paddy and Nico” had to withdraw from the competition.

The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on event insurance and key person insurance in general.

Firstly when insuring these performers, it would have been cultureONE-image-perform-artssignificantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person dancing on a live show are far greater than those of a younger person in prime health. As we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.

In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result, the duo simply withdrew from the show altogether.

While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.

Front Row Insurance Brokers Can Arrange Key Person Insurance for you. Learn More

RELATED:

CAST INSURANCE

THE BUSINESS AFTERMATH OF AN ARTISTS DEATH: KEY MAN INSURANCE

KEY PERSON DISABILITY

Submit a comment