Should a band have insurance?

If you're in a band, you may find yourself asking "Do I need insurance?" The answer is yes! Across the industry, we're seeing more and more events/venues requiring proof of Commercial General Liability (CGL) insurance from entertainers. By requiring bands to hold their own insurance, the event/venue won't have to submit a claim on their policy, which could have possibly lead to an increase in their premium. Whether you're just starting out or you've been performing for years, holding a CGL

Types of MPEP endorsements

Our Music, Photos, and Event Planner (MPEP) policy includes the additional insured endorsement form CG 20 10, but a few other types of endorsements are available by request for an extra charge. This blog will explain the different types and why they may be needed.

Other types of endorsements available for an additional charge include the following:

• Primary and Noncontributory. The cost for this endorsement is $100 for each certificate or $250 for the duration of the policy. Surplus lines

Performers with vendor booths

Do you hold a performer policy and sell merchandise? Depending on your operations, you may need both our performer policy and a mobile vendor policy. Our mobile vendor policy insures your business, but not independent contractors, while our performer policy insures you, the individual. Whether you need both policies is on a case-by-case basis, but we've provided some examples below!

Example 1: You're a magician! After your jaw dropping performance, you set up a small table next to the stage

Fire Performance Safety 101

There are four essential safety rules to follow for any fire performance:

1) ALWAYS have a dedicated fire safety (or safeties).

• Your fire safety/safeties should be equipped with the appropriate materials to put out flames (e.g. duvetyne fire blanket, damp cotton towel, fire extinguisher, etc.) and wear fire-safe attire.
• During the performance, fire safeties should be exclusively focused on maintaining the safety of performer(s), audience members, and the premises.
• Fire safeties should

Sexual Abuse and Molestation (SAM) Coverage

Sexual Abuse and Molestation (SAM) coverage is typically requested for those performing or vending at schools or malls. There may also be other events/venues that require SAM coverage. This coverage doesn't protect you against a claim for abusing or molesting someone, but rather if you're left in charge of a group of minors and something happens between them. When performing or vending for a group of minors, we suggest asking the venue to also have an employee or staff member be present at all