Wedding Insurance In the News

Posted by Meghan Stickney on Apr 9, 2018 3:21:33 PM

Wedding Insurance Claim Example - Wedding Disaster Example

Wedding insurance has been in the news lately, and there's a good reason for that. As the CBC recently highlighted, it's shockingly easy to get burned by a venue - and that cannot only set your wedding plans back, it can put you in debt...to the tune of $15,000, at least. Check out Ashleigh Post's story below (and there's a nice mention of our CEO David Hamilton in there too!):

http://www.cbc.ca/news/canada/hamilton/hamilton-bride-who-lost-thousands-after-venue-closed-recommends-wedding-insurance-1.4598688

Don't let this kind of story keep you up at night! It takes 5 minutes to buy wedding insurance! And right now, you can use our discount code CANADAWEDDINGS for $50 off. (not valid in QC, ON, SK)

Wedding Insurance rings

Image by www.cbc.ca

Topics: event insurance, wedding insurance

Wedding Insurance Has Your Big Day Covered: What does it cost?

Posted by David Hamilton on Mar 12, 2018 12:30:25 PM

Check out this article published by GLOBE NEWSWIRE featuring our Online Event Liability Insurance Package.

View the Article Here

Bride: Online Event Insurance Package

Planning a wedding? You’ve got a lot on your plate. Let us help you check one item off your list in 3 minutes: wedding insurance to cover everything you might worry about on your big day! 

Our Online Event Insurance Package is easy to purchase online.

Up to $5,000,000 in General Liability Coverage to cover damage to your rented venue.

Optional coverage available for: rental of furniture, sound and lighting, Event Cancellation and more!

Insuring with Front Row is simple and easy: 3 minutes and a few clicks will protect your wedding.

Get a Quote

Topics: wedding insurance

Planning a Wedding at Home? Will your Homeowners Policy cover you?

Posted by David Hamilton on Dec 8, 2017 5:21:22 PM

The wedding ceremony in your parent’s back yard was more beautiful than you imagined. Later in the evening, the reception is in full swing when a scream pierces the music on the temporary dance floor. One of your parents work friends – a highly successful yoga instructor– has slipped on some spilled wine and torn all the ligaments in her knee.

Wedding Insurance

She will be in a cast and unable to work for six months. She will not be able to make the $15,000 per month that she has been earning for her classes. Worse, she has no disability insurance.

Within weeks of the wedding, a lawyers letter arrives demanding compensation for lost wages due to the hosts negligently failing to clean up the wine hazard on the dance floor. The letter also demands compensation for rehab expenses.

The parents call their homeowners insurance broker only to be told that they needed to take out wedding event insurance in order to be covered. Their homeowners policy will not protect them for a wedding they host at their home. The bride’s parents are now in the awkward position of having to defend themselves from a lawsuit from their friend.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many wedding hosts assume they are covered by their homeowners insurance policy when in fact they most likely are not. This messy scenario is easily avoided with inexpensive online wedding insurance.

If you use your home for a wedding, check your insurance policy and make sure your coverage is appropriate. If not, Front Row Insurance Brokers have created a 5-minute Online Insurance Solution!  

Get a Quote in 2 Minutes  ➲

Our online wedding event insurance policy is available in all provinces in Canada.

All rented equipment is covered for replacement cost for: theft, damage and fire.

  • Wedding insurance cost starting at $55
  • Up to $5,000,000 in wedding liability insurance to cover damage to the wedding venue and injury to guests and vendor staff. Will also provide lawyer costs.
  • Unlimited Additional Insured certificates for your wedding venue and vendors at no additional cost.

"We wanted to make the insurance process easier, faster and cheaper for wedding hosts,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process online wedding event insurance is much less and we have passed the savings onto the person buying the insurance for the wedding. Although the policy is online, we are still available to answer questions by, chatbot, e mail or over the phone if required.”

Insurance for weddings is a specialty of Front Row. We make it easy to protect your special day – at a cost that could be less than a bottle of champagne. Pop! Pop!

Get a Quote in 2 Minutes  ➲

Topics: event insurance, wedding insurance

4 Reasons to Buy Online Insurance for Weddings from Front Row

Posted by Mike Groner on Dec 8, 2017 11:29:34 AM

4 Reasons to Buy Online WEDDING Insurance from Front Row:

  1. Wedding insurance allows you to relax and enjoy the big day.     Weddings cost an  average $30,159 in Canada . The hall, the food, the DJ, flowers, photos and all the other costs add up to an expensive day. Wedding insurance provides you with peace of mind in two ways. Wedding property insurance  provides coverage for damage to: your wedding attire, lost/stolen gifts, photographs,– even wedding ring insurance and more. Wedding liability insurance covers you when you are legally responsible for injury or damages that occur at your wedding. If one of your yoga teacher guests slips on spilled wine and tears knee ligaments and cannot work they may sue you for lost income and rehab / medical costs. Wedding liability insurance also provides a lawyer to defend you.
  2. Online Insurance for WeddingMany wedding venues require that you show evidence of wedding liability insurance.     Many venues do not want to be responsibility for situations that happen at your wedding that cause damage to their venue or injury to your guests. This means requiring short-term event insurance from you – the tenant of their venue. Check your venue contract to see if you are responsible for providing a wedding liability certificate to your venue owners. Our certificates are free and can be issued within 60 seconds of paying with a credit card on our on line site
  3. Vendors may not give you a refund if you cancel.      What happens if you are  forced to cancel or postpone your wedding? Will the baker take back the cake? Will the banquet hall and caterer refund your deposit? Will the photographer refund her deposit?  In these cases, you will want to recoup as much money as possible and you can do so by transferring the risk to insurance
  4. What happens if one or more of your vendors is a no show   Wedding event insurance can financially protect you against unreliable vendors that don’t show

Front Row Insurance Brokers offers online wedding event insurance

Get a Quote in 2 Minutes  ➲

Protect your special day in less than 6 minutes and pay with a credit card. Our wedding insurance cost starts as low as $55. Quotes take 2 minutes and are offered free without obligation on our online site.

Topics: wedding insurance

Why you should consider purchasing wedding insurance

Posted by Mike Groner on Dec 6, 2017 4:39:32 PM

PURCHASING WEDDING INSURANCE

CONSIDER PURCHASING WEDDING INSURANCEPlanning a wedding? There are many risks associated with hosting a wedding: your guests may damage the venue or the rented furniture or the sound system. Your guests could trip on temporary carpeting or a wine spill on the dance floor and injure themselves.

When hosting a wedding, most banquet halls and venues will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Front Row Insurance Brokers offers online wedding insurance in minutes:
Policies start at $105 CAD and certificates for your wedding venue and vendors are free.

Get a Quote Online In 2 Mins.
 

If you will be serving alcohol at your wedding make sure that you request venue alcohol liability – available through our online site . Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your wedding and harm themselves or someone else.

It’s always good planning to have wedding insurance because you never know when something unexpected may occur. Wedding insurance will allow you to fully enjoy your special day.

Topics: wedding insurance

Photographers & Videographers: Save Money on your Camera Insurance

Posted by David Hamilton on Feb 26, 2016 9:38:46 AM

SAVE MONEY ON YOUR CAMERA INSURANCE

SAVE MONEY ON YOUR CAMERA INSURANCE

To achieve the best premium for your camera and photography insurance, consider:

  • Choose a higher deductible. A deductible is the specified amount of money that you must pay before an insurance company will pay a claim. The higher the deductible, the lower the premium. As long as you choose a deductible that you can still afford in the event your camera equipment is lost, stolen or damaged, you can save on your camera gear insurance cost. 
  • Buy equipment and liability coverage at the same time as a bundle. Combine your coverages and purchase at the same time: this could result in a lower package premium.
  • Do your own risk management and increase security measures. Measures might include:
    • installing a security system [Amazon Affiliate Link]
    • converting a closet to a safe room with deadbolts
    • investing in high quality travel cases that lock such as Pelican cases [Amazon Affiliate Link]
    • ask your specialized photography insurance broker for more recommendations
  • Always compare quotes. Prices tend to vary from insurance company to insurance company – that’s why it’s always a good idea to shop around and compare quotes. Additionally, look for brokers that specializes in insurance for photographers.
  • Make sure your policy covers commercial activities. This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not. If you sell your prints , check your policy and make sure your coverage is appropriate.

We have created a 5-minute online insurance solution, available to Canadian photographers at: https://photographer.frontrowinsurance.com

Camera Insurance

The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.

Rental equipment coverage is also available. All equipment is covered for replacement cost for: theft, damage, fire and loss of use.

Industry-low photography insurance prices:

  • $10,000 equipment coverage: $100 CAD,
  • $2,000,000 location liability coverage: $200 CAD; $5,000,000: $350 CAD. Liability covers property damage and bodily injury that you do while shooting on location or in a rented studio. Pays legal fees, too.
  • $350 CAD deductible for gear. (prices subject to change)

The online program for photographers follows Front Row’s lead earlier this year into online offerings for short-term filmmakers and musicians. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by e mail or over the phone if required.”

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)

 

Related posts:

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

PHOTOGRAPHY INSURANCE: THEFT FROM VEHICLE

HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?

Video: WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?

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.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon. This post may contain affiliate links. There is no additional cost to you.

Topics: photography insurance, wedding insurance

Photography Equipment Insurance: You May not be Covered by Homeowners

Posted by David Hamilton on Feb 11, 2016 5:24:50 PM

Photographers: You May not be Covered by YOUR Homeowners POLICY


You arrive back at your car to find the truck pried open and your camera bag  missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, not covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.

Photography InsuranceThis is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.

If you sell your prints, check your policy and make sure your coverage is appropriate.

At Front Row, we have created a five minute online insurance solution. Available to Canadian photographers at https://photographer.frontrowinsurance.com

The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.

Rental equipment coverage is also available. All equipment is covered for replacement cost for:  theft, damage, fire and loss of use.

The online program for photographers follows Front Row’s lead earlier this year into online offerings for short term filmmakers and musicians. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required."

Topics: Camera Insurance, photography insurance, wedding insurance

Why Even YOUR Band Should Carry Liability Insurance

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

Tribute bands and liability insurance

Tribute band performing

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 of band liability insurance:

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 its 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 its own direct actions; however, other situations where a band and its 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 a 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 of band liability insurance:

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.

Instrument insurance for Canada’s music professionals: https://musicians.frontrowinsurance.com/

 

Related:

Musical Instrument Insurance 101: How to Protect Your Instruments
Tips & tricks to guard your gear
Protecting instruments at home
Protecting instruments at airports
Protecting instruments on tour
Musical tour insurance
Band on the run
Tribute bands and liability
Protecting your guitar
Protecting your drums
Protecting your keyboard
Protecting your violin
Protecting your saxophone
How to make a claim
What is my gear worth in event of claim?
You may not be covered under homeowners
Front Row’s musical instrument policy
Insurance for SOCAN members
How to compare musical instrument insurance cos.
Blurring the lines of music infringement law

Topics: Entertainment Insurance, venue insurance, concert insurance, band tour insurance, event insurance, performance insurance, wedding insurance