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

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

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:

http://www.pollstarpro.com/NewsContent.aspx?cat=0&com=1&ArticleID=823800

http://tasteofcountry.com/luke-bryan-crew-accident-new-york/

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.

Tour InsuranceAre 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!

 

Tags: Insurance and Protection While on Tour, tour liability, 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

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.  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 promotion of a successful concert.  When planned properly, it shows, but is not seen.

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

Two recent examples, one good and one not so good.  Both affect the safety and expense involved with producing an event:

http://www.pollstarpro.com/NewsContent.aspx?cat=0&com=1&ArticleID=823784 and http://www.pollstarpro.com/NewsContent.aspx?cat=0&com=1&ArticleID=823800

First, the bad news; the Allman Brother’s 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.  Proper  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 described in the article 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 a 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 concert 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, but risks with large crowds, transportation, staging, production, etc.,happen.  Risk are unseen by patrons but not by a professional concert insurance broker. Best to be properly covered onstage and off!

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.

Tags: Insurance and Protection While on Tour, concert insurance, tour liability, tour insurance, touring insurance for your band, band tour insurance

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

shutterstock_126024329

“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.

Some additional things to think about:

- 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
 

Tags: concert insurance, tour insurance, Touring Insurance, Band Insurance

Does Your Bands Tour Insurance Include Out Of Country Medical?

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

Weather_bannerOut of Country Medical: 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!

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

Why Even YOUR Band Should Carry Liability Insurance

Posted by Monica Cervantes on Dec 12, 2011 2:38:00 PM


There are a number of reasons why a Cover band or Tribute band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued.  While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. When alcohol is consumed, the risk increases even more.

 

  • Why risk the loss of your assets, both personal and the band’s?
  • Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.

So, what is liability insurance?

This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.

The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.

Examples:

An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and it’s landlord in a lawsuit. Liability Insurance protection will not shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.

While Liability Insurance should be in place by the owners of the venue where a band will be performing, more frequently the musicians themselves must have liability insurance in place in order to perform at a venue. A band can be sued for it’s own direct actions, however other situations where a band and it’s members could be held liable include if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over the microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.

Cost:

Pricing is based on revenue and annual premiums start at US/CDN $500 for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.

 

 

Tags: Entertainment Insurance, Entertainment Insurance Broker, event cancellation insurance, wedding band, wedding band insurance, cover band, cover band insurance, Tribute band, tribute band insurance, performers insurance, performers liability, venue insurance, concert insurance, tour liability, tour insurance, Band Should Carry Liability

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