ART SCHOOL INSURANCE THAT PROTECTS STUDENTS FROM ABUSE? INTRODUCING PROTÉGÉ

Posted by David Hamilton on Nov 27, 2018 11:56:13 AM

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If you’re running an art school, then we don’t need to tell you the amount of passion, drive, and dedication required to run a school and coach students to success. We probably don’t need to tell you this also brings a huge amount of responsibility for the well-being of your students, who are often young and in close relationships with their teachers.

As you consider how to run your school in a way that BEST protects your students from physical and sexual abuse, consider our Protégé program.

Protégé is the only insurance program of its kind that goes the extra mile to protect art schools AND their students from situations related to sexual and physical abuse. Along with all of the other insurance requirements your school needs, Protégé provides the highest level of support and protection for your students. This is our passion.

We’ve become known for our expertise in guiding many arts organizations through difficult claims involving abuse, and helping schools implement measures that prevent situations of abuse in the first place. Here’s how our Protégé program goes the extra mile for schools and students:

  1. In situations where there are allegations of abuse, Protégé can pay for no-fault rehab and counselling costs. 
  2. In situations resulting in damage to studio/school property, Protégé covers the costs for owned and rented property damages.
  3. In liability situations, Protégé covers bodily injuries to people that have been invited to the studio.
  4. To support business continuity, Protégé pays the salaries of your staff if the studio is destroyed while you are searching for a new space.
  5. Re: errors and omissions, Protégé covers costs if students aren’t satisfied with the curriculum.

When you sign up for the Protégé program, you’ll receive our deep experience in putting preventative safeguards in place that will help prevent situations of abuse from happening in the first place. We’ll walk you through all the areas of your business protocols to help you put systems in place that better protect students.

Pricing begins at $600 for a small school. To learn more, click here.

 

About Front Row Insurance Brokers
Front Row Insurance is an independent, Canadian-owned brokerage, specializing in film, television and performing arts insurance. The brokerage has offices in Vancouver, Toronto, Montreal, Halifax, New York, LA and Nashville. Their technical expertise, market leverage and commitment to fair and timely claims settlements has always set them apart from their competitors. http://www.frontrowinsurance.com

Tags: painting school insurance, art school insurance, fine art school insurance, music school insurance, dance school insurance, film school insurance, E&O Insurance, Abuse liability insurance, abuse insurance

Event Planning Insurance

Posted by Monica Krake on Oct 24, 2018 10:44:51 AM

 

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 Planning an event? 5 insurance tips you need to know

Planning an event? Whether you’re getting ready for a gallery opening, organizing a neighborhood rummage sale, or putting on a craft show, you’ll need to make sure you have the right insurance in place to protect your event and yourself in case of any unforeseen circumstances.

Though you probably expect everything to go off without a hitch, the fact is, when it comes to planning an event, things do sometimes go sideways and it’s important to put the necessary precautions in place.

Here are several factors to consider, to ensure you have the right coverage for your event:

  1. Does the venue you’re renting require insurance? Venues will usually specify the level of coverage you’re required to have if it’s not covered in your rental agreement. If you’re hosting your event in a public space, or on municipal property, you’ll want to make sure you have the necessary permits to demonstrate you have obtained event liability insurance, to the amount required.
  2. Will one of your vendors be a no-show? If you’re renting tables, chairs, or a tent for your event, you want to be sure you’re covered in the case of a vendor no-show, or any damage to your rentals.
  3. What if you need to cancel the event? Could be weather or illness related, or due to a mix up of some kind; whatever the case, event liability insurance protects you from having to pay all the event-related expenses you’ve incurred.
  4. Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts. You’ll want to be sure you’re covered.
  5. Planning to serve wine or cocktails at your event? If you are serving alcohol, try to hire a caterer to serve the drinks. Otherwise, you’ll need to purchase one day liquor liability insurance.

If you still have questions about the level of insurance you’ll need for your one-day event, please get in touch! To get a quote online, in only 3 minutes click here!

Tags: art school insurance, fine art school insurance, adult party insurance, party insurance, short term event insurance, event liability, cheap event insurance, event liability insurance, event insurance, Special Event Insurance

Art School Insurance that Puts Students’ Safety First

Posted by David Hamilton on Sep 14, 2018 8:03:00 AM

 

Whether you’re running a world-class art school or offering dance or music classes from your home studio, we understand the level of passion and expertise that goes into delivering creative education.

 When it comes to choosing insurance to protect your school or studio from possible liabilities, it’s important to ask ALL of the questions that might arise in a worst case scenario: what would you do in the case of abuse against a student, a serious injury, or severe damage to your facility? 

Front Row Insurance has developed a program called Protégé that’s been designed specifically to protect your art school or studio and your students against situations that are beyond your control. 

In the case of ANY of the potential situations described below, the Protégé art school insurance program puts the protection of your students and your business first and foremost: 

  1. Abuse: With the Protégé program, students’ safety is #1. We’ve protected several of Canada’s most loved art schools from situations that would have been far more devastating to the students involved and to the school itself without our protection. 

Our top priority is to protect your students which is why part of the Protégé insurance policy includes implementing staff and security procedures that in themselves help to prevent possible situations of abuse. 

Unfortunately, the fact is, there are too many times when teachers and coaches have abused their positions of authority. Our Protégé insurance for art schools and studios manages allegations that may be levelled against you or your business, as well as providing risk-specific coverage that pays for criminal and civil legal defense costs for your students, as well as the medical, rehabilitation and counselling costs for your students and others on your team who may be affected by any cases of abuse. 

  1. Educators’ Errors and Omissions: The E&O aspect of our Protégé program has been designed to provide extra coverage for allegations caused by a student’s dissatisfaction with your curriculum, a dismissal, or failure to educate. 
  1. Studio Property and Liability:: And of course your studio needs property coverage too, and perhaps you need coverage for property while touring and and gear you take to competitions. That’s what Studio Property coverage is all about. Liability covers your business for injuries that occur to people you have invited to your premises. Liability will also cover property damage that you do to studios and performances spaces that you and your students are visiting. 
  1. Business Continuity: If something unexpected happens, you need to ensure your bottom-line is protected. You’ll need money for fixed expenses, loss of future tuition fees, money to pay the valuable teachers you don’t want to lose and extra costs incurred until your studio is repaired and you can start to generate revenue again.. This is all included in the Protégé program. 

As we help you to shape up a policy to best meet your specific needs, we’ll walk you through questions, such as: 

  • What are the potential risks to children?
  • Who may pose that risk and what situations might increase the risk?
  • How will you check the backgrounds of your volunteers and staff?
  • How will you respond to allegations of concern or harm? What is your policy around use of images and privacy? How are they used and stored? 

As the largest arts and entertainment insurance broker in the country, we understand the art world very well, and we’ve got a great reputation for having protected some of Canada’s best known creative institutions. 

If you’d like to discuss your coverage needs and receive a free quote, contact: Steve Beatty 416 642 3294. steve@frontrowinsurance.com

 

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Tags: art school insurance

Safeguarding Your Students Part 2

Posted by Lynne Godfroy on Aug 15, 2018 5:42:55 PM

 

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Safeguarding your Students and Protecting Your Organization (Part 2)

Filming and Photographing Children at Your School

Your school will be filled with joyous events that mark the achievements of your teachers and their students. Of course everyone will want to commemorate these milestones and there is often only a split second between the taking of a wonderful photo or performance video and the posting of that same pic to the internet. It will often include class members. An arts educator or studio owner should stop and think about this. No one wants a picture of their child floating around the internet, so how can you help your students and their families share their joy while safeguarding your students’ privacy?

Developing a broad-based policy around safeguarding your students, see Part 1, will help you to add a section on filming and photographing students that is consistent with your operating principles. Make sure your parents and staff sign an agreement that includes a commitment not to identify students by name in any photo and have a signed consent form by the parents on file in case professional photographers are brought in. Naturally the photographers should sign an agreement also and should never be left alone with the students.  For promotional purposes on a website, for example, it might be best to use commercial stock photos.

If images remain in your possession, store hard copies in a locked drawer and electronic copies in a protected folder with restricted access.  Do not store them on unencrypted devices, like a mobile phone or laptop. If you issue photo ID cards, make sure you comply with any data protection legislation.

Small mistakes can have big repercussions, so once you have your policy and practice in place and have explained everything to your instructors, staff, parents and students, make sure your Protégé insurance policy is in effect to safeguard you and your business against an allegation of improper behavior. Your students are precious and so is your studio.

Tags: painting school insurance, art school insurance, fine art school insurance, music school insurance, dance school insurance, film school insurance

3 Steps to Start a Dance Studio

Posted by Lynne Godfroy on Aug 15, 2018 5:38:55 PM

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3 Business Tips on How to Start a Dance Studio

So you’ve danced all your life and the time has come to share your passion and insight.  The path for many is to open a dance studio, but how does one turn that passion into a successful business?

Step 1 -  Should be to find out about your prospective clients.  The web is full of links for parents looking for the best dance school for their kids. Read up on what is important to them. A quick search will reveal they often want a variety of dance styles and teachers to match their child’s interests and needs. They want a timetable that is convenient for their busy lives and qualified teachers that can provide a high level of instruction. If you can provide all that, think about whether or not you will you be able to hire instructors that can build levels of expertise, creating a core group of returning students each term. Consider focusing on small children that will grow with you.

Step 2 - Defines your ability to pay yourself. Get advice on how to structure a business plan. That will help you sort out your expenses and determine if renting a studio makes sense at first. Identify your renovation costs and your fixed costs like utilities, rent, and specialty dance insurance coverage, like Protégé, that will protect you and your business from claims of injury, abuse, or property damage. It’s a small cost, but can make the world of difference for a small business owner who has been threatened by a suit and wouldn’t ordinarily have the means to defend. 

Step 3 - Reminds you to invest in yourself. You are the best representative for your own studio, so don’t get so bogged down in administration that you forget your passion. Keep dancing! And don’t be afraid to ask for advice.  The Facebook group, Dance Coaches & Teachers Unite, has several thousand members who trade tips and conversations about dance, as do the members of The Dance Teachers Network, also on Facebook.

Let’s keep dance alive!

 

 

Tags: painting school insurance, art school insurance, fine art school insurance, music school insurance, dance school insurance, film school insurance

Safeguarding Your Students With Art School Insurance

Posted by Lynne Godfroy on Aug 15, 2018 5:37:27 PM

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Safeguarding your Students and Protecting Your Art School (Part 1)

The priority for all schools and teachers must be the safety of the students that are entrusted to their care. A lot of research has been done over the last few years as to how we can all practice a higher standard of responsibility in that regard and as a consequence, school administrators and owners are expected to demonstrate a ‘duty of care’.  One recommendation is to establish a safeguarding policy for your school. Not only will this demonstrate your commitment to the well-being of your students, but should there be an insurance claim it could be helpful to show you have a set of standards and procedures acknowledged by all staff.

Before you begin to draft your policy, consider the following questions because the answers will help shape the final document: What are the potential risks to the children? Who may pose that risk and what situations might increase the risk? How will you check the backgrounds of your volunteers and staff? How will you respond to allegations of concern or harm?

When you start to write your policy, name your organization and then state the purpose and aim of the policy. Provide a link to the law that supports the policy and explain how the policy relates to the business’s procedures around taking photographs or videos, internet use, recruitment, etc.  Include an equality statement that commits to anti-discriminatory practice and clarify the scope of the policy – will it apply only to staff and volunteers who have contact with the children, or other people, like a janitor? Finally, identify review dates, so the policy can be updated at regular intervals.

Once this has been done, make sure you have specialty art school insurance for arts educators in place, like the Protégé Program, offered by Front Row Insurance Brokers. Front Row is the premier brokerage in Canada for coverage in the performing arts and supports a number of national and provincial organizations like PACT and Dance Ontario. Protégé comes out of their realization that insurance expertise should be available for small studio owners as well as the large organizations. They know their stuff and provide coverage through a quick online service at very little cost.

Tags: painting school insurance, art school insurance, fine art school insurance, music school insurance, dance school insurance, film school insurance

Arts Education School Insurance

Posted by Lynne Godfroy on Aug 15, 2018 5:29:42 PM

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Safeguarding your students and protecting your arts education school with Protege

Opening a studio or educational facility is a way to express your creative interests while experiencing the joy of mentoring.  It demands passion, skill and commitment, and involves a serious investment of time and money.  Like all small business owners, you need to guard that investment with insurance that protects your reputation as well as your studio. This can make a major contribution to your success, so clearly you need a policy that is designed to protect you, your property, your students and your teachers. The Protégé Program, offered by Front Row Insurance – the largest arts and entertainment insurance brokerage in the country – does exactly that.

Protégé is broken into five key areas which work together to protect the business you created.

Abuse Liability: While you do your best to hire the most qualified staff, teachers, and coaches, you cannot account for every misstep.  Abuse Liability manages allegations that may be levelled against you or your business, as well as providing risk-specific coverage that pays for criminal and civil legal defense costs, as well as the medical, rehabilitation and counselling costs for individuals affected by an incident of abuse. 

Bodily Injury & Property Damage Liability: This provides help to defend against claims triggered specifically by injury or property damage to a performance venue or leased studio. Protégé protects your art school’s corporation, teachers, employees, and volunteers for claims brought against them as well. 

Educators’ Errors and Omissions:  E&O provides extra coverage for allegations caused by a student’s dissatisfaction with your curriculum, a dismissal, or failure to educate.

Studio Property: Of course your studio needs property coverage too, and perhaps you need coverage for touring and competitions.  That’s what Studio Property coverage is all about.

Business Continuity: If something unexpected happens, you need to ensure your bottom-line is protected. You’ll need money for fixed expenses, loss of future  tuition fees, and extra costs incurred if your property is damaged.

Overall, Protégé works to protect you, your students, your teachers and your school.  It’s demonstrable proof that you take your business and the relationships you depend upon, seriously.

Tags: painting school insurance, art school insurance, fine art school insurance, music school insurance, dance school insurance, film school insurance

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