Your insider guide to understanding claims

We often talk about things you can do to prevent a claim, but what happens when you actually need to file a claim? How does the claims process work? Maybe you're wondering why your premium went up when you haven't filed any claims. Well, look no further because SIA is here to break things down! 

How to file a claim:

First, should an incident occur, you'll need to login to your client dashboard on our website to file your claim. When using a computer/tablet, you'll see "submit a claim" on

Safe practices

Doing what you love should be fun and exciting...but it's also extremely important to take safety into consideration! Ensuring your operations are as safe as possible means you’re helping your audience have a great experience. After all, no one is going to have a good time if a kid stabs himself with an erroneously placed sword swallowing prop. Plus, you can minimize your chances of a claim being made against you with smart safety practices. Fewer claims mean a decreased risk of premium hikes

Audience participation

"And for this next trick, I'll need a volunteer from the audience!" Many of you have probably heard something of the like during a performance, but does a Commercial General Liability (CGL) policy cover audience participation? 

To put it simply, your coverage is for you while performing on another's premises. You are protected in scenarios such as injuring an audience member, damaging property, or even offending someone. However, there is no coverage for athletic participation from an

Product Liability vs. Products-Completed Operations

Whether your products are homemade or you're reselling, despite best efforts there is always a chance that your products may fail to work properly, be defective, cause bodily injury, or cause property damage. This could lead to a lawsuit. These types of claims would fall under either the Product Liability or Products-Completed Operations part of your Commercial General Liability policy.

First, let's talk about Product Liability coverage.

Product Liability (PL) insurance covers claims

The importance of insurance

We have conversations quite frequently with clients where they ask why they need insurance. We hear comments like "I've performed without insurance for over a decade. Why now?" or "I'm a safe performer, I just sit on stage and play guitar. I don't do any of that fire performing stuff." However, most claims that come in are completely fluke accidents, quite literally...the unexpected.

In this sue-happy world that we live in, practicing safety for just your performance or selling your services