[Dixielandjazz] Liability Insurance in US

[Black Swan CJB]

If you are a union musician in the US liability insurance is available
through a negotiated group contract, I believe with Seabury & Smith. Your
$300 would likely get you quite a bit more protection than the $300,000 you
cited through your homeowners' policy. Frankly, the access to inexpensive
specialty insurance programs specific to band activities and instrument
insurance is the primary reason I am a union member today.

Kit Johnson
Black Swan Classic Jazz Band
www.bscjb.com


----- Original Message -----
From: "Charlie Hull" <charlie at easysounds.com>
To: "Kurt" <bowermastergroup at qwest.net>; "jazzfact"
<jazzfact at ozemail.com.au>; "Djml" <dixielandjazz at ml.islandnet.com>
Sent: Thursday, August 14, 2003 8:27 AM
Subject: [Dixielandjazz] Liability Insurance in US


> I went without business liability insurance for years, but finally found
an
> advantage to getting older.  As an AARP (American Assn. of Retired
Persons)
> member I qualified for auto and homeowners insurance with The Hartford
> insurance company.  For a supplemental fee, their homeowners policy can
> provide coverage for a home-based business.  For less than three hundred
> dollars a year I have $300,000 public liability coverage, and my music
gear
> is protected -- up to $15,000 on-premise coverage and $5,000 away from
> premises.
>
> The only requirement for AARP membership is being 55 years old, and
payment
> of an annual membership fee.
>
>
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