[Dixielandjazz] Public Liability

Thu Mar 9 02:55:26 PST 2006

testing....

one,  two,  buckle my shoe

I'm knew here

Chumley from the Midlands
--- tom wood <zenith at ans.com.au> wrote:

> >Hello Ross,
> >
> >In reply to your email, it is true that two of our
> band do pay their own
> >(individual) public liability insurance.  The
> reason they chose to do this
> >is basically twofold. One, they play in other
> groups and two; they have
> >also decided to insure their instruments with the
> same broker securing a
> >more reasonable combined premium for themselves.
> >
> >Other band members do not pay anything for public
> liability cover because
> >any payments will normally come via our band fund
> from CD sales etc.
> >
> >I am sorry that you have had bad experiences with
> festivals (presumably in
> >the Melbourne area) as we certainly don&#8217;t
&#8220;play for
> nothing&#8221;, or near
> >nothing for that matter, in the Sydney area.  Like
> me, the band is not
> >amused with this hike in public liability cover
> requirements in the
> >entertainment industry and was happy that I had
> basically beaten the
> system
> >here with the Kiama gig example.  This was the main
> thrust of my email as
> I
> >was simply looking for any recent similar
> experiences of others on the
> list
> >with this form of cover.
> >
> >I have read my email again (see below) and can see
> no mention of me
> >&#8220;getting the band members to pay out of their
> pockets for public liability
> >insurance.&#8221;  I am somewhat confused by the
point of
> your email.
> >
> >Cheers,
> >Tom (Am I in trouble again?) Wood
> >SZJB
> >
> >
> >
> >
> >>G`day To you all !!
> >>Dear Tom ,
> >>WHY does any band member have to PAY
> anything??????
> >>No wonder "FESTIVALS" expect the "BANDS" to play
> for bloody nothing when
> >YOU
> >>offer to get your band members to pay out of their
> pockets PI insurance
> !!
> >>HELLO ??
> >>I would love to know how much they are getting per
> head !!
> >>Ross Anderson, New Melbourne Jazz Band,
> >>
> >>
> >>----- Original Message -----
> >>From: "tom wood" <zenith at ans.com.au>
> >>To: <dixielandjazz at ml.islandnet.com>
> >>Sent: Thursday, March 09, 2006 9:32 AM
> >>Subject: [Dixielandjazz] Public Liability
> >>
> >>
> >>
> >>Public Liability
> >>
> >>Hi All,
> >>
> >>I think I may have been the one to originally
> start this thread some 10
> >>years ago.  However since the more recent lawyers
> litigation and 'class
> >>action' millionaire cases insurance premium for
> most of us have almost
> >>reached resistance level.  In fact from Australia
> obtaining worldwide PI
> >>insurance cover normally requires excluding visits
> to USA.  Where brokers
> >>include USA I have been quoted a five figure
> premium.  A local broker
> >>advised me that for well known groups and rock
> stars to visit USA the
> >>insurance premiums are sometimes 6 & 7 figures!
> >>
> >>We are playing at a jazz festival in the open this
> Sunday at Kiama (about
> >>100 kms. south of Sydney) and I had to renew our
> Public Liability Policy.
> >>The figure quoted was $1500 plus 10% Goods &
> Services Tax (i.e. $1650)
> for
> >>the 12 month period i.e. double what we had been
> paying previously.  The
> >>band was not very happy and although legally bound
> under contract to play
> >>with a certificate of currency for Public
> Liability so I approached the
> >>organisers with our dilemma.  The organisers
> solved the problem
> >immediately
> >>supplying the band with 24 hour cover for the
> Sunday event.  Their cost
> to
> >>our band was $110 including GST.  The boys were
> delighted with the
> reduced
> >>cost.  This underwriting covered for $5 million
> property damage plus
> >Public
> >>Liability for the whole band (which could include
> guest players) with an
> >>excess of $250 on any claim.
> >>
> >>I think the efficient and smart way to keep
> everyone happy, organisers
> and
> >>musicians alike with full cover is for organisers
> to obtain blanket cover
> >>for their event period and if they have to, charge
> each band a portion of
> >>the premium.  This will normally be far cheaper
> but one has to weigh up
> >the
> >>cost of gigs per annum requiring PI cover as to
> whether cover per insured
> >>event is cheaper.  I would be interested to have
> any comments from others
> >>on this matter.
> >>
> >>The Sydney Zenith will have played overseas 13
> times after our visit
> later
> >>this year to the Edinburgh International Jazz
> Festival.  We have never
> >once
> >>been asked to produce any proof of PI cover and
> only had the cheaper
> local
> >>Australian cover because the worldwide cover was
> too expensive.  We have
> >>had to have tax clearance saying our expenses
> equated to our gig money
> but
> >>never any PI requirements.
> >>
> >>Maybe we can visit USA again in 2007 on the East
> Coast this time and soak
> >>up some of Barbone Street's  New York area gigs if
> we can get exemption
> >>from PI insurance.
> >>
> >>Cheers,
> >>Tom (cannot publish litigatious SZ Tales of
> Taverns book) Wood
> >>Sydney Zenith Band Manager/Pianist
> >>www.sydneyzenith.com
> >>
> >>
> >>
> >>
> >>_______________________________________________
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>
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> >>
> >>
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> >>
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>
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> >>
> >
> 
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