Summer and Tours: What You Need to Know About Musical Tour Insurance.

Posted by Tom Corley on Apr 18, 2016 2:00:26 PM

MUSICAL TOUR INSURANCE

Summer is almost here! That means the concert touring season is ramping up, hopefully for another record year, as Music Festivals, Music Events, and Touring Artists all hit the road.

A couple of recent stories have reminded me to encourage safety while on the road.  No show is worth an injury or bodily harm to anyone involved: Artists, Touring personnel, bus and truck drivers, and patrons!  I have attached a couple of stories reporting recent accidents:  the Allman Brothers bus crash and an unfortunate incident following a Luke Bryant Concert involving a local crew.

Whether you are producing a one-time concert or a series of musical events in multiple locations, Front Row Insurance Brokers offers musical event insurance programs that cover your events and musical tours and greatly helps to protect your investment.

Take the unfortunate bus crash. Are you prepared for a canceled headliner, to issue refunds if the show cannot be rebooked?  Compensate a suitable replacement act? Lost advertising, venue expenses?  Medical expenses? Front Row is prepared to help with Musical  Event Cancellation  Insurance policies that will assist you with these cancellation issues.

MUSICAL TOUR INSURANCE
Are you making sure that a competent, professional local crew is hired to assist your Touring Professionals?  Is safety a priority not only on the job, but have food, liquids, and properly timed “rest breaks” been scheduled.  How about giving the local crew  rooms that are vacated after a show if necessary if your band and crew have showered.  They are paid for: it is a simple process of asking.  Not only is that a common, professional courtesy, it helps all involved with a show; Touring Professionals and Locals alike.

Both of my examples affect Music Promoters, Music Producers, Music Venues, Sponsors, and Artists alike.

Front Row’s insurance policies for touring musicians are available in the USA as well as Canada.  Depending on your production, you have a choice between a per-event policy or an annual policy, cancellation insurance, workman’s comp, general liability and bodily injury.

Be prepared when the unexpected happens.

Insurance is one the most important details with your show.  As we know, much investment of time and dollars are involved.

With that said, have fun, be safe, turn it up, and turn a profit!

Topics: Insurance and Protection While on Tour, tour insurance, Festival Insurance, band tour insurance

Concert Insurance: Things That Go Unseen at Concerts

Posted by Tom Corley on Apr 15, 2016 3:12:41 PM

Music concert event insurance

concert event insurance

Patrons purchase tickets to a concert for many reasons: to see their favorite act, gather with friends, a night on the town and catch a new talent. The main point is all seek a good, fun time and hearing good music. But unknown to patrons are the many details that go into producing and promoting a successful concert. When planned properly, it shows, but is not seen.

One of those details is safety for both the performers and the audience. Concert Event Insurance to protect against incidents for Liability and Bodily Harm have the potential to come into play more often than one may think.

First, the bad news; The Allman Brothers' unfortunate bus crash. Everyone is OK, thank goodness, but this accident is an example of the long hours artists, bands, production crews and drivers spend on getting everyone to the venue, normally traveling between 350 - 450 miles overnight to set up and perform for their fans. Insurance coverage is a must not only to cover any medical expenses, but also to make sure that property damage to a vehicle can be recovered and/or repaired/replaced in a timely fashion. Without this commitment by performers and their teams, there is no show; thus, disappointed fans.

A second example of an “unseen” detail is crowd barriers for crowd control. These type of barricades are not really thought about by patrons, but they are of utmost importance to artist and patrons alike. Proper crowd control, from security to crowd flow are key to any safe event. Concert insurance can come into play if the barriers fail to pay for injuries so that the act is not financially ruined. Having proper barricades not only enhance patron’s enjoyment, but lowers the risk of someone being harmed or having an accident. It also helps greatly with the expense of a premium by lowering the cost!

Remember the goal is for patrons to enjoy their experience. Our goal as insurance brokers is to assist producers, promoters, and artists with making sure that they are covered for any liability that may occur.

From these two examples, one can see that accidents do unfortunately happen. There are risks with large crowds, transportation, staging, production, etc. Risks are unseen by most patrons, but not by professional insurance brokers. Best to be properly covered, onstage and off!

Get an Event Insurance Quote

About: Front Row Insurance Brokers Inc. is an independent  insurance broker that works on behalf of the Canadian arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, Nashville and Los Angeles.

 

RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

Venue Insurance in Canada

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Renting Churches, Mosques

Planning a Bridal Shower?

Baby Shower Insurance

Event Cancellation

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

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Planning a Garden Show?

Picnic Insurance

Topics: Insurance and Protection While on Tour, concert insurance, tour insurance, band tour insurance

Front Row Insurance Expands to Nashville - Welcoming Tom Corley

Posted by Mike Groner on Mar 4, 2016 4:55:28 PM

MUSIC INDUSTRY INSURANCE VETERAN TOM CORLEY

Front Row Insurance, specialized entertainment insurance brokers, is pleased to announce the opening of its new Nashville office to be headed by experienced entertainment professional, Tom Corley. Front Row is a specialized insurance broker with offices in Vancouver, Toronto, Montreal and Los Angeles.

Tom Corley InsuranceWith over 25 years of experience, Corley has worked in the music industry alongside artists Ronnie Milsap, Waylon Jennings, Dixie Chicks, Faith Hill, Dolly Parton, Kenny Chesney, Restless Heart, and many others. As a Producer for AEG Live and TBA Entertainment, he handled many tours including the CMT Tour featuring Brad Paisley, Keith Urban, Miranda Lambert and Rascal Flatts, Reba/Kelly Clarkson Tour, and Kenny Chesney’s Stadium and New Year’s Eve concerts. In 2001, Corley also assisted and relocated the CMA Music Festival performance stages from the Tennessee State Fairgrounds to the stadium downtown and worked there for the first two years.

“We are delighted to welcome Tom into Front Row," said David Hamilton, President of Front Row Insurance Brokers. "Tom's long history as one of the top tour managers in the world gives Front Row a deeper practical understanding of the risks our clients face associated with touring and live events. Tom is a rare expert that can identify the risks of the music industry that should be transferred to the insurance companies: new and existing clients will benefit from Tom's expertise. Front Row is a specialized entertainment insurance broker: our volume with the insurance companies will allow Tom to offer his clients the best protection at the best possible premiums available in the marketplace. Everyone working in the music industry that seeks Tom out will be better protected and a lot happier after hearing some of his entertaining stories!"

Corley’s new role is effective immediately and he is looking forward to putting his skills and experience to good use. “For over 25 years, I purchased this type of insurance and I am now delighted to offer these products to my peers in the entertainment industry,” says Corley. “With Nashville’s continuous growth in the entertainment industry, everyone in the music and film industry, theatre companies, and photographers can now get expedient, affordable entertainment coverage they need with Front Row.”

Topics: musical instrument insurance, tour insurance, band tour insurance, Tom Corley

Band On The Run: Touring Insurance Tips For Taking Your Show On The Road

Posted by Steve Beatty on Jul 28, 2015 2:02:00 PM

TOURING INSURANCE TIPS

TOUR INSURANCE FOR MUSICIANS & BANDS

“Till those lights come up and we hear that crowd, and we remember why we came”
-
Jackson Browne, Stay

Life on the road can be rife with challenges and filled with excitement and exhilaration. But a little insurance planning before heading out on tour will ensure your excitement is from the audience and not an uninsured claim.

In today’s post, I’ll highlight some things for you to think about when planning your tour. While every circumstance is a little different, these are the key exposures that you and production manager will want to consider.

Instruments, Sound, Lighting and Other Equipment: Your instruments and equipment will be loaded, unloaded and then loaded again and again. In order for your insurance coverage to be seamless, you need to ensure that you have a ‘Floater’ coverage form. Floaters are a type of insurance that are not specific to any location, so they extend to wherever the gear is located: on the road, on the stage and everywhere in between. Be sure that the policy territory includes all of the countries where your tour will take you. And, if you are traveling into countries with less stable or unpredictable governments or legal systems, you’ll want to investigate coverage for seizures, quarantine or appropriation by authorities.

insurance considerations for musicianS:

  • Valuation: What are you entitled to from your insurance company? Will your policy pay to replace old equipment with new, or are they only responsible to pay you for used equipment?
  • What’s covered? Does your policy cover theft and accidental damage? Are there restrictions or exclusions if gear is stolen from a vehicle or if unattended?
  • Unexpected costs or extra expenses: Will your insurance pay for renting new gear if yours is stolen or unusable after being damaged? These unexpected costs can be included in your insurance so you don’t have to find a way to pay them out of an already tight tour budget.
  • Musicians’ property: Be clear on who is required to insure your musicians’ instruments. If it is you, then a simple written agreement can avoid misunderstandings and ensure that your insurance company has an obligation to respond to claims for property that you don’t own.
  • Loss of equity or value in instruments: Higher end, rare or old instruments often build value over time and this value can be affected when damaged, even when repaired by experienced and recognized craftspeople. Ask whether your insurance will cover this as part of your claim. When insuring others’ instruments, be sure to discuss their value and what their expectations are if their instrument is damaged.
 
Front Row Insurance Brokers Specialize in Band Insurance: Learn more 
 
 
To read more on Tour Insurance click here
 

Topics: concert insurance, tour insurance, Touring Insurance, band tour insurance

Carnet Bonds And Touring Insurance For Your Band

Posted by Steve Beatty on Jul 28, 2015 1:59:00 PM

Carnet bonds

Carnet Bonds: (pronounced ‘car-neh’)

Carnet Bonds must be posted with the Chamber of Commerce when you are taking your equipment outside of the country. A Carnet is like a passport for the property you are taking on the road. It allows you to pass into a country with your equipment duty & tax free.

The Carnet Bond is a financial guarantee with the government that pays the duty or taxes if the gear doesn’t return and it is used to prevent companies or individuals from importing property without paying these charges. You will be required to complete and file an ATA Carnet application along with a detailed list of the property with the Chamber of Commerce.

You will need to include the current value of the equipment not the new cost. This will be used to calculate the amount of your Carnet Bond. While you can purchase a Carnet Bond from a broker, the Chamber of Commerce offers an excellent on-line system for purchasing the Bond and the rates are generally more competitive than purchasing it on your own.

Front Row Insurance Brokers Specialize in Band Insurance: Learn More 

To read more on Tour Insurance click here!

Topics: concert insurance, Touring Insurance, carnet bonds, band tour insurance

Touring Insurance For Your Band: Planes, Trains And Automobiles

Posted by Steve Beatty on Jul 28, 2015 1:48:00 PM

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Planes, Trains and Automobiles - MUSICAL TOUR INSURANCE

Non-owned aircraft, helicopters, aviation, rented vehicles, international exposures; these are all things to talk about with your broker when you are arranging your insurance.

Chartered tour vehicles, buses or airplanes can present risks to you that need to be considered as part of your insurance program. Checking to ensure that the owners and operators are insured is crucial. It is common to find coverage in policies for the use of non-owned vehicles in Canada or the USA, but not for international rentals. Be sure to look into this if you are planning to rent vehicles as part of your tour.

Front Row Insurance Specializes in Touring Insurance for bands: Learn more.

To read more on Tour Insurance click here!

RELATED:

WHAT YOU NEED TO KNOW RE: MUSICAL TOUR INSURANCE

Topics: concert insurance, Touring Insurance, band tour insurance

Does Your Band's Tour Insurance Include Out-of-Country Medical?

Posted by Steve Beatty on Jul 28, 2015 1:46:00 PM

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Out-of-Country Medical Insurance FOR MUSICIANS & BANDS

Even a short hospital stay can result in thousands of dollars in medical expenses that will not be insured by your provincial medical insurance. A long hospital stay with extensive treatment, or the need to be returned home by air ambulance can create devastating financial hardship for you and your family.

Out-of-Country medical insurance is inexpensive and a ‘must-have’ for your musicians and crew. Consider purchasing an annual policy for uninterrupted and seamless coverage for pleasure travel or a last minute gig. Pre-existing or on-going health conditions, can be problematic when making a claim, so you’ll want to ensure that there are no restrictions on the insurability of any of those who are on the road. If you are leaving it up to each individual to purchase their own insurance then be sure to ask them to provide you with a copy of their policy before setting out.

Front Row Insurance Brokers Specialize In Tour Insurance, Including Out-of-Country Medical Insurance: Learn More

To Read more on Tour Insurance click here!

Topics: concert insurance, tour insurance, band tour insurance, out of country medical insurance