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
Assistant, who?
From a magician's assistant to a fire safety, we're here to help define what an assistant is...at least when it comes to your SIA Commercial General Liability (CGL) policy!
The duties of the entertainer's assistant(s) can be as follows: Works with the insured for set-up and tear down, helps with the planning and organization of a show or booking, works with contracts, coordinates permits and requesting additional insured certificates, handles prop changes during the show, assists with crowd
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
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
