Pyrotechnics and fireworks exclusion on the performer policy
The performer policy has an exclusion for pyrotechnics and fireworks. While it's easy to grasp what fireworks are, defining pyrotechnics is a bit trickier.
For the purpose of the performer insurance policy, our carrier defines a pyrotechnic substance as a substance or mixture of substances designed to produce an additional effect by heat, light, sound, gas, smoke, or a combination of these (beyond simply fueling for a fire performance). It's usually contained in a machine but may also be
Event planner insurance
SIA's newest insurance program covers groups of select performers, as well as businesses that fall under categories of Music, Photos, and Event Planners (MPEP). Insurance for an event planner isn't for someone putting on an event, but rather someone who is booking talent/groups/individuals for events. Event producers run events. Event planners and booking managers hire for events. We insure event planners/booking managers, but not event producers under MPEP. This program provides event planner
The 100% coinsurance clause
It's no secret that insurance policies are filled with clauses, provisions, and exclusions, which is why we always recommend reading your insurance policy closely and coming to us with any questions. We do our best to highlight what exactly is covered on our Performer and Vendor webpages, but if you ever have any doubt about your coverages, just ask!
One clause we wanted to discuss in detail is the 100% coinsurance clause on the Inland Marine (business personal property) rider in the
Why do I need an insurance policy?
Maybe you've been in the industry for many years, maybe this is all new to you, but you may find yourself asking...Why insurance? Why now? Maybe you're even asking yourself "What is a Commercial General Liability policy?"
In the past few years across the industry, we've experienced more and more events/venues cracking down on insurance requirements to help better protect themselves from certain liabilities. This is where a Commercial General Liability (CGL) policy comes into play! The
The importance of Cyber Liability coverage
Unfortunately, with the trend of integrating business and the Internet continually rising, the more prone you may become to being involved with a data breach. A data breach is when a customer's data that's stored, such as contact information or credit card details, is stolen or taken from a system without the knowledge of the system's owner. No matter how many protocols are put into place regarding cybersecurity, unauthorized use of stored data is a problem, and your business can be held
