Video: What is a Premium? What is a Deductible?

Posted by Grant Patten on Apr 28, 2020 7:54:34 AM

What is a Premium? What is a Deductible?

Disclaimer: the deductible amounts disclosed in this video are current to April 2020 and are subject to change.

What is an insurance premium?

An insurance premium is the amount of money an individual or business pays for an insurance policy. Premiums are collected and kept in reserve in order to pay out claims as they arise. The insurance company must anticipate how much premium they will need to collect in order to have the funds available to pay out losses when they occur. In layman’s terms, they have to make an educated guess.

Wondering why your premium has changed? Well, the changes in premiums this year are a reflection of the overall loss ratio on the insurance program. In order for an insurance program to remain viable, the amount paid out in losses cannot exceed the amount collected in premiums.

What is an insurance deductible?

A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.

Another example: you drop your camera, but it only costs $200 to fix. Although it is the kind of damage that would be covered under the policy, you are responsible for the first $350 of the loss. In this case, again, the insurer would not have any responsibility to pay the claim, because the expense was not more than the $350 deductible.

If you damage a $500 lens, though, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.

A review of the Front Row online insurance program deductibles (in Canadian dollars):

Photography insurance (photographer.frontrowinsurance.com) deductibles:

  • Equipment deductible: $350 per occurrence
  • Photographer’s Enhancement Pack deductible: $500 per occurrence
  • Theft from an Unattended Vehicle deductible: $2,500 per occurrence
  • Outside Canada and United States of America (“Out of Country”) deductible: $750
  • General Liability deductible: $500 per occurrence

The deductible applies to any one incident, not per item. Only one deductible, whichever is highest, would apply per claim.

DigiGear insurance (digigearinsure.frontrowinsurance.com) deductibles:

  • Owned Mobile Equipment  - $1,000
  • Owned Fixed Equipment - $1,000
  • Rented Equipment - $1,000
  • Lessors' Contingency Coverage - $1,000
  • Commercial General Liability - $1,000

Short Shoot insurance (shortshoot.frontrowinsurance.com) deductibles:

The rented equipment deductible is $1,000 per event. This applies to any one incident, not per item.

Musical instrument insurance (musicians.frontrowinsurance.com) deductibles:

The equipment deductible is $250 per claim. Again: This applies to any one incident, not per item.

SOLO Theatrical Insurance (stagelive.frontrowinsurance.com) deductibles:

The deductible for Each Occurrence is $500.

Event insurance (events.frontrowinsurance.com) deductibles:

  • Rented Equipment Coverage: $500 Per Claim
  • Rented Tents/Marquees: $250 Per Claim
  • Wedding Enhancement Package Coverages: $250 Per Claim
  • Birthday Party / Bar/Bat Mitzvah / Anniversary Package Coverages: $250 Per Claim
  • Cancellation Coverage: None
  • General Liability, Each Occurrence: $500 for claims of Bodily Injury / Property Damage
  • Tenant Legal Liability: $500 Per Claim

Workplace Office insurance (workplaceinsure.frontrowinsurance.com) deductibles:

There are various deductibles under the Workplace policy. The deductible will depend on the coverage. For example, the deductible for theft of office property is $500.

Cyber Hack insurance (hackinsure.frontrowinsurance.com) deductibles:

A basic cyber insurance policy would generally come along with a $1,000 deductible.

Get Insurance with Front Row

Whether you’re interested in film insurance, photography insurance, event insurance or another insurance product, consider Front Row Insurance for your insurance needs.


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Topics: musical instrument insurance, Short Film Insurance, Entertainment Insurance, film insurance premium, Office Contents Insurance, Theatre Insurance, event insurance, photography insurance, DigiGear, Cyber Insurance

Intimacy Directors in the Theatre World

Posted by Lynne Godfroy on Apr 15, 2020 8:26:13 AM

Intimacy Directors in Theatre

Intimacy Directors in the Theatre World

Hiring an Intimacy Coach, or Intimacy Director (ID), as part of a theatre’s crew is becoming more common in Canadian theatrical circles, sparked by media attention to the vulnerability of women in the arts and entertainment sector.

What is an intimacy coach / intimacy director?

So what is the purpose of an Intimacy Director, and how can one be helpful to all members of a cast and crew, not just the female actors?

An ID’s job is to make the performers and crew feel protected while staging scenes that can create anxieties around the portrayal of acts of sexual violence, nudity, or other forms of intimacy. This is done when the ID establishes clear paths of communication for the rehearsal and show, and demonstrates best practices for creating a healthy performance space, as well as actually choreographing scenes of intimacy.

What does an intimacy coach / intimacy director do?

A first step for the coordinator is to have a conversation with the individuals closely involved in developing the scene, like the director and actor, to gauge feelings of concern. Under the pressure of landing and maintaining a job, it is too easy for artists to feel they have to agree to perform acts they aren’t comfortable with.

It is the ID’s role to establish confidence in the process and then choreograph the scene in a way which conveys the storyline without breaking the bond of trust between the director, actor, producer, and crew. This can be particularly important in the realm of live theatre as the performances must feel authentic each time the play is performed.

If the actor has felt psychologically pressured or even coerced into a place of discomfort, the acting and the entire production can suffer. The buffer that the ID provides is another step toward the smooth performances and safe sets theatrical producers need.

Pillars of Intimacy / Intimacy Coaches in Theatre

Siobhan Richardson, one of the founders of Intimacy Directors International (now closed), and her colleagues, have created a foundational piece called the Pillars of Intimacy. This material provides a step-by step process by which actors become educated to a practice that will guide them throughout rehearsal and performance.

The goal is to choreograph safe, repeatable movements that the actors can rely upon to tell the story. (TheatreArtLife) The Pillars of Intimacy establishes a process based on the best practices of context, communication, consent, choreography, and closure.

The Pillars of Intimacy can be a great guide for stage managers as well, if the budget doesn’t allow for the hiring of an ID for the production. Either way, it’s clear now that there is a new awareness of the risks involved if the behaviours around intimacy aren’t explored.

Consider Front Row Theatre Insurance | Performing Arts Insurance | Liability Insurance for Theatre Production Companies

Get a theatre insurance quote from Front Row in just 2 minutes: https://stagelive.frontrowinsurance.com/

Offering a simple and quick solution, our SOLO Theatrical Insurance program can be purchased online with a credit card in six minutes and can include the following coverage for up to 4-weeks with no minimum premium:

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

 

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Topics: Theatre Insurance, performance insurance

Fire, Flood, Injury: Infamous Stage Disasters & Insurance Considerations

Posted by Grant Patten on Mar 4, 2020 10:13:39 AM

Fire, Flood, Injury: Infamous Stage Disasters & Insurance Considerations

Infamous Stage Disasters - National TheatreLondon’s National Theatre | Shutterstock Royalty-free stock photo ID: 1164426331.

This post reviews some infamous theatrical stage disasters that have happened over the years. We cannot guarantee that any of these disasters would have necessarily been covered under any insurance claim (coverage decisions are ultimately up to the insurance company), but it is nonetheless instructive to consider what has gone wrong during past live productions – and how insurance might have been helpful – especially if you work in the theatre world.

Globe Theatre fire – London, 1613

In 1613, the Globe Theatre in London burnt to the ground. This was the theatre where most of Shakespeare’s plays debuted, including The Tempest.

How did it happen?

A theatrical cannon – set off during a performance of All is True/Henry VIII – misfired, igniting the wooden beams and roof. There were no reports of any injuries.

A year later the theatre was rebuilt, only to be eventually demolished by the Puritans on ideological grounds.

Iroquois Theatre fire – Chicago, 1903

This tragedy was the deadliest theatre fire and the deadliest single-building fire in US history, resulting in at least 602 deaths.

How did it happen?

During a matinee of the musical Mr. Blue Beard, sparks from an arc light ignited a curtain, probably as a result of an electrical short circuit. The fire spread quickly from there and those in the crowded theatre began to panic and flee, but this resulted in a human stampede of sorts, and many weren’t able to get out alive.

Way Upstream flood – London, 1982

During a rehearsal of the play Way Upstream – which is set on a cabin cruiser boat on an English river – at London’s National Theatre in 1982, the water tank simulating the river burst. This flooded the National Theatre.

How did it happen?

The theatre had built a 6K-gallon tank for the boat, but the tank eventually broke and deluged the stage and seating area nearby. The boat had been weighed down by a dozen people, half of them stage crew, at the time of the flood.

Mamma Mia! hair dryer slip – London, 2014

During a performance of Mamma Mia! in London, actress Kim Ismay (as "Tanya") once swung a hair dryer straight into an audience member’s face! The hair dryer’s cable had snapped mid-song, sending the dryer flying into the crowd.

The audience member was given champagne during the interval to apologize for the accident. A nice touch, certainly – but not likely to be adequate if the patron still decides to sue.

Our SOLO Theatrical Insurance program includes General Liability. This coverage is designed to protect against all sums that the insured shall become legally obligated to pay for bodily injury, property damage or personal injury to third parties arising out of the operations of the insured production. It includes the cost of a lawyer to defend you.

Consider Front Row Theatre Insurance | Performing Arts Insurance | Liability Insurance for Theatre Production Companies

Get a theatre insurance quote from Front Row in just 2 minutes: https://stagelive.frontrowinsurance.com/

Offering a simple and quick solution, our SOLO Theatrical Insurance program can be purchased online with a credit card in six minutes and can include the following coverage for up to 4-weeks with no minimum premium:

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

 

Citations:

 

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SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS

Topics: Theatre Insurance

Insurance for body parts for Actors, Models and Performers: What!

Posted by David Hamilton on Jan 9, 2019 2:51:29 PM

body parts cast insurance

Insuring body parts | Body Part Insurance | Body Insurance | HOW TO INSURE BODY PARTS?

Betty Grable was known as the "Girl with the Million-Dollar Legs" because that's what Fox Studios requested from Lloyd's of London for the Body Parts Insurance policy. Grable was once quoted to have said, "There are two reasons why I am successful in show business and I am standing on both of them." Grable knew her legs were something to be admired. Most ordinary people wouldn't need this type of insurance, but those who have careers based on their appearance or performance might need body part insurance coverage.

There are rumours that Jennifer Lopez insures her rear-end for a billion-bucks, although she denies it. Anyone with a body part that valuable shouldn't go around advertising it.

There are reports throughout the history of the entertainment business of celebrities insuring a variety of body parts.

body parts insuranceThe earliest reports of body part insurance come from the 1920s, when a policy insuring silent movie star Ben Turpin's signature crossed eyes from the risk of going straight was issued. It might seem odd anyone famous for crossed eyes could make it big in the first place but, the fact Turpin took out insurance protecting his asset is rather interesting.

Insurance is a contract binding an insurer to indemnify someone against a specific loss in return for a premium. There needs to be a value for the asset being insured and most of us generally think insurance would cover losses suffered from some kind of disaster. Well, when you think about it, celebrities need body part insurance if their asset is their own rump. What would they have if something happened back there? A disaster!

Bruce Springsteen was once reported to insure his voice for six million dollars and the truth is that had something gone wrong with the Boss's voice, it very well may have cost him the rest of his career and substantial future earning potential. When we consider what a movie star, singer or model has, it's not so strange to imagine that they may want to insure their future in the event something goes wrong. It's just too bad there isn't "No-Talent" Insurance for some of the celebrities.

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...But isn't the circus supposed to be dangerous?

Posted by Steve Beatty on Jan 9, 2019 2:04:02 PM

circus insurance

Circus acrobat, circus insurance

One of the delights of the circus is seeing the most skilled acrobats dazzle an audience with risky stunts. At Front Row, our experience with production liability insurance and special event liability insurance has shown that there are always unfortunate exceptions where even the most skilled acrobat doesn’t escape danger as planned.

One such incident occurred recently at a Ringling Bros. Circus in Rhode Island where an aerial accident sent eight performers plummeting to the ground. The stunt, known as “the human chandelier” involved performers hanging from their hair on a suspended apparatus. A clip at the top of the apparatus snapped and three performers are at the hospital in serious condition. Thus far there is no conclusive information as to why the clip failed.

When quoting theatrical insurance where aerial stunts are being performed, one of the questions we always ask is how much experience the aerial rigging technician has. We also ask if he/she is licensed. This protects the risk and encourages producers to employ the best people. Furthermore we offer key person insurance. This is reserved for parties whose inability to perform would result in the event being cancelled. In an event like the circus, the specialized skill on display makes purchasing the above coverages a must, and our years of experience will make sure there are no gaps  that might hinder a major performance.

Even with the correct due diligence, accidents can always happen and they illustrate how important it is to carry good production insurance.

Get a Quote Online In 2 Mins.

 

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Topics: Theatre Insurance, performance insurance

Venue Insurance in Canada

Posted by David McLeish on Aug 30, 2018 10:28:13 AM

Your venue welcomes the world.

Whether it’s an audience of ten thousand or something more intimate, you open your space to the public, and to the people who know how to draw a crowd. This, in turn, exposes you and your venue to certain risks that can be managed with the right kind of venue insurance. Whether you need stadium insurance or community theatre insurance or amphitheater insurance or auditorium insurance or concert hall insurance or insurance for an outdoor stage, you are responsible for the safety of the public and performers and you could become liable if someone is injured at your venue. You also have to be concerned with potential damage to property, performance cancellations, the care and conduct of your employees… then there’s all the stuff you never could have predicted!

Front Row’s venue insurance program will look at your specific venue, and we’ll tailor coverage to meet your unique needs. We’ll look at things like:

  • Your venue’s capacity
  • The frequency of performances
  • Types of performances hosted
  • Types of concessions sold (any alcohol?)
  • The characteristics of the building where it all happens

When it comes to risk, we’ve got the best seat in the house, and we can help you see your exposures from every angle. That means you can confidently welcome the world’s best, brightest, and craziest–whatever the world throws at you, you’ll be ready!

Get an Event Insurance Quote

 

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Topics: venue insurance, concert insurance, Theatre Insurance, event insurance, short term venue insurance

Movie Theatre Cinema Insurance: Protection for Owners

Posted by David Hamilton on Jul 26, 2018 2:35:01 PM

Movie theatre insurance

movie theatre CINEMA insurance

Proper movie theatre insurance allows you to transfer the risks of operating a cinema so you can focus on marketing and growing your business.

Do You Need Movie Theatre Insurance?

Yes: Film house insurance allows you to obtain financing at the bank and it helps you avoid bankruptcy caused by accidents in your theater. These are some examples of repairs and lawsuits that can happen:

  • A yoga instructor slips on spilled drink in the dark and blows out a knee and sues for loss of future earnings.
  • Customer gets sick after ordering at the concession and blames food for lost wages.
  • Bathrooms are vandalized causing a flood.
  • Promotional displays are knocked over and the distributor demands payment to replace.
  • The building burns to the ground or is damaged in an earthquake.
  • Digital projector breaks down causing business interruption until a repair or replacement occurs.

What Does Movie Theatre Insurance Cover?

A basic movie house insurance policy should include compensation for damage to your building or furnishings, as well as your responsibility any customers that are injured visiting your property.

Get a Free Online Quote Now

You likely need protection for:

  • Commercial theater property coverage: This covers the building and contents, such as: desktops and other office equipment, cash machines, digital projectors, screens, seating, etc.
  • Business interruption coverage: This protects against lost business income and pays for on-going operating expenses if you need to shut down.
  • Commercial theatre general liability coverage: This pays for bodily injury and property damage due to your negligence (e.g., a guest falls down the stairs from the balcony and sues because the carpet was not glued down on one of the stairs)

At Front Row we can provide you with:

  • Liquor liability for venues : This is necessary if you sell alcoholic beverages at your movie theatre. It protects you in instances of bodily injury and property damage that result from selling or serving alcohol.
  • Online cyber coverage: To protect you if you are hacked and lose customer data. https://hackinsure.frontrowinsurance.com/
  • Short-term Venue Liability Insurance: If you do short term rentals at your theatre, you can direct your tenants to our online short term event insurance and short term venue insurance site where they can purchase special event insurance in 5 minutes and provide you with evidence of one day event insurance so that your theatre is protected.

How Much Does Movie Theatre Insurance Cost?

Depends on your revenue, number of screens, location, construction of your building, age of venue. Contact us for an estimate.

Get a Free Online Quote Now

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office movie theatre insurance for the lowest possible cost. Should a claim occur, Front Row ensures that movie theatre insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

 

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Topics: Theatre Insurance, event insurance, short term liability insurance, short term venue insurance, host liquor liability

Short-Term Theatre insurance now available Online through Front Row

Posted by David Hamilton on May 17, 2017 3:16:53 PM

Short-Term Theatre insurance now available Online through Front Row

Vancouver, Canada – May 19, 2017 Front Row Insurance Brokers Inc. is pleased to announce the launch of their new short-term online SOLO theatre insurance program.

This will allow producers of a live performance to obtain quotes for short-term venue rentals and equipment in less than five minutes 365 days a year 24-hours a day. A policy can be purchased online and all associated documents can be downloaded in less than ten minutes. Given the flexibility of the online tool, theatre producers can purchase coverage on the day they need it. A large web development firm worked with Front Row to help bring the best product to market. 


Theatre insurancePolicy terms are for up to 4-weeks and coverage is provided anywhere in Canada. Equipment rental company and venue certificates are unlimited and provided for free. The certificates are delivered instantly. The program is available effective immediately across Canada. 

Get a quote in 2 minutes

The risks that can be covered are: rehearsing, producing or presenting a theatre, dance, opera or other live performance.

The SOLO Insurance program can be purchased online with a credit card and can include the following coverage for up to 4-weeks with no minimum premium:

  • Up to $5,000,000 in General Liability Coverage
  • Optional Theatrical Property coverage for Equipment, Props, Sets, and Wardrobe
  • Additional Insured certificates for your venue(s) for no additional cost.

“Small start-up theatre companies are the future of the theatre industry and the future of our business,” said David Hamilton, President + CEO of Front Row Insurance. “We wanted to find a way to lower the cost to insure their projects as much as possible and deliver the coverage with a minimal effort and time. Our soft launch test phase resulted in excellent feedback from producers.”

The website is: https://stagelive.frontrowinsurance.com/

About: Front Row Insurance Brokers Inc. is an independent entertainment insurance broker that works on behalf of live entertainment producers to transfer their risks to insurance companies for the lowest possible cost. Should a claim occur, Front Row ensures that the producer receives the money that they are owed per the insurance policy, as quickly as possible.

 

Related:

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SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2

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SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS

Topics: Live Show Insurance, Theatre Insurance

British Pantomime And Theatre Insurance

Posted by Steve Beatty on Aug 6, 2015 11:33:03 AM

theatre insurance

I sure hope “Theatr Clwyd” out in England had theatre insurance.

A Christmas pantomime of Jack and the Beanstalk was cut short after an actor twisted his ankle in the middleTheatre insurance Front Row Insurance of a performance. The actor’s name is Edward York and he plays the role of “Squire Snuffbox”–a detail his father keeps from the other retirees at the racetrack. An ambulance was called and an emergency crew arrived at the scene to escort the actor to the hospital. Of course the show had to be cancelled in the middle of a performance. Let’s take a look at how Theatre Insurance can come to the rescue in such an occurrence.

As part of the Theatre Insurance for its season, there is no question that “Theatr Clwyd” would have cancellation insurance that would replace income lost by the unfortunate accident. Every audience member would want their money back and some might even be tourists incapable of seeing a future show.

There is also the question of just how big a part of the play “Squire Snuffbox” actually was. If he was a major character without an understudy, Theatre Insurance would cover the cost of replacing him.  If he was a minor player, perhaps the show could go on without him for a time.

Finally there is the issue of medical expenses. If “Theatr Clwyd” had purchased cast medical coverage under their theatre insurance, any of Squire Snuffbox’s sore ankle expenses would be taken care of.

(exhale)

So there you have it, folks. A Christmas Tragedy and it’ll take a lot more than 3 ghosts to fix this one.

Front Row Insurance Brokers are Theatre Insurance Experts. Learn More: http://www.frontrowinsurance.com/theatre-insurance

 

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PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS

SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 1

SAFEGUARDING YOUR STUDENTS WITH ART SCHOOL INSURANCE PART 2

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SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS

Topics: Theatre Insurance

4 Easy Steps To Reading A Theatre Insurance Policy

Posted by Steve Beatty on Jul 23, 2015 1:38:00 PM

4 EASY STEPS TO READING A THEATRE INSURANCE POLICY

“You got it buddy, the large print giveth and the small print taketh away”

― Tom Waits, Step Right Up

THEATRE INSURANCE POLICY

In the nearly 30 years I’ve been a theatre insurance broker, I’ve read many theatre insurance policies. Over those years, I’ve adopted an approach to help me determine what’s covered and what’s not, relatively quickly.

In today’s post, I thought I would share these very simple tips with you. They will make you feel more comfortable with the policy you are buying and help you form better questions when discussing the coverage with your broker or dealing with a claim.

Before we begin, it’s important to know there are four essential parts of any Theatre Insurance Policy. For the purpose of this discussion, I will be referring to a "Broad Form" type of policy (often referred to as an ‘All Risks’ policy; a terrible name by the way, as I’ve yet to see a policy that covers everything!) This type of policy has become the most common in the industry and is generally considered a broader form of coverage than a ‘Specified or Named Perils’ policy. Broad Form policies outline what type of claims you will NOT be insured against; whereas, a Specified Perils policy outlines the types of claims which are insured by the policy.

So here we go:

  1. Start with the Insuring Agreement: it’s here that the insurance company tells you what they are insuring. These are generally short and you will see certain words identified with italics, or bold or capitalized letters; policies will use this as a way of telling the reader that these words have a broader meaning which are defined elsewhere in the policy, usually under a section titled Definitions;
  2. Move on to the Definitions: Definitions broaden a single word or words beyond the common-use meaning, to define what it means in your policy. For example, the word ‘Insured’, may be broadened to include your corporation, employees, officers, volunteers, shareholders, etc. Using Definitions makes reading the policy less repetitive and easier to read. Sometimes a definition will also tell what it doesn’t mean, so watch that.
  3. Now, read the Exclusions: It is here where your coverage is shaped and the insurance company tells you what will NOT be covered by your policy. Some insurance companies have this under a section referred to as ‘What’s Not Covered’, or ‘Causes of Loss Not Covered’. Often I’m asked the question, “So what are we covered for?” While this is a great question, to me it’s more important to know what you are NOT covered for as it there where the surprises live. This is why I read the Exclusions. Sometimes you will find there are exclusions specific to certain sections of your policy, and then there are some known as General Exclusions which apply to your ENTIRE policy. If you see an exclusion that you don’t like or you feel it too greatly restricts your coverage, be sure to raise this with your broker. Some exclusions can be removed by paying an additional premium for the added coverage.
  4. And finally, look for ‘Endorsements’: these are used by insurance companies to modify their standard policies. They can broaden or restrict your coverage. They can usually be found listed in the front section of your policy known as your ‘Policy Declarations’.These are the front sheets on your policy where the insurance company lists your insured amounts, deductibles and premiums.

There will be other parts of the policy called Statutory Conditions and General Conditions. While these are important, they are generally common to most policies and can be read once you have tackled the parts I’ve listed above.

And one final tip: when it comes to making a claim under a Broad Form policy, it is your insurance company that has the responsibility to establish that one of the exclusions applies to your claim. Any ambiguity will be read in your favour as they were the ones who created the policy wording. By contrast a Named or Specified Perils policy requires YOU to demonstrate that your claim has resulted from one of the insured loss types specified in your policy.

By using these 4 simple tips you will quickly be able to understand your policy, feel more comfortable with it, and be able to ask questions that may help broaden your insurance protection.

We have an easy online low-cost insurance solution for Canadian producers who are renting theatre space and equipment for a short period:

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Related:

THEATRE INSURANCE 101 / THEATRICAL INSURANCE / PERFORMING ARTS INSURANCE

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INSURANCE FOR BODY PARTS / BODY PART INSURANCE

PROTÉGÉ: CUSTOM INSURANCE FOR ART SCHOOLS AND ARTS EDUCATORS

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

SHORT-TERM THEATRE INSURANCE / PUBLIC LIABILITY INSURANCE FOR PERFORMERS

Topics: Theatre Insurance