Misrepresentation and insurance fraud
Whether you're renewing your policy or starting a new one, insurers have an extensive review process once an application is received. Reviewing applications helps underwriters make sure what's on the application is both accurate and something that can be covered by the policy. After all, there's no point in buying insurance if your operation(s) are excluded by the policy you're applying for! After your application is read, an underwriter will cross check the information by Googling you/your
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
Rigging - what's covered and what's not?
We understand that rigging is a big part of some of our clients' performances, but what exactly is covered with our policy?...what's not? Let's dive in!
First, there's no coverage for rigging for others with the performer policy (or any policy we offer). A performer is not a rigger, and riggers are a different insuring class. Performer assistants are also never covered for rigging for others. If a performer has an assistant on their policy, that assistant can be covered for helping that
What's the difference between an additional insured and a certificate holder?
Both an additional insured and a certificate holder are third parties that may be named on your policy. However, there are few key differences between the two! Let's break this down.
What is an additional insured?
- Is a named business (such as an event/venue) on your policy.
- They're protected under your policy.
- They can file a claim if they're sued due to something that arose from your actions/business.
What is a certificate holder?
- Is a named business (such as an event/venue) on
