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
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
