[Dixielandjazz] Liability Insurance

[Cees van den Heuvel]

This is crazy and an example of how the liability and claim culture
in the U.S.A. has developed.
In Europe we don't know what you are talking about.
If there is a liability question it only is there when you
do something completely wrong like destroying the
hall your're playing in or shoot the employer, and even then:
no financial consequenses, only fines or jail.
I like the U.S.A., but your sue-system has gotten out of hand and is
unreal. I.m.o it's just a scam to feed laywers and insurance companies.
Get real!

Cees van den Heuvel
http://www.revivaljassband.nl


----- Original Message ----- 
From: "Steve Barbone" <barbonestreet at earthlink.net>
To: "DJML" <dixielandjazz at ml.islandnet.com>
Sent: Tuesday, November 14, 2006 10:37 PM
Subject: [Dixielandjazz] Liability Insurance


> Re: Liability Insurance naming the venue as additional insured.
>
> Sad to say, some venues will not bend on this issue. Especially some
> museums. In the Philadelphia area, Franklin Institute will not bend and if
> you don't supply an insurance policy ($1,000,000) and name them as an
> additional insured, they will not let you work there. Other area museums
> could care less.
>
> Cost of the policy for a band is about $3500 a year here. I've never 
> priced
> out single event coverage.
>
> Sometimes you can get around it, if you are doing a corporate gig, by 
> having
> the Corporation tell the venue you are an employee and covered by the
> corporation's insurance policy. And sometimes the corporate lawyers refuse
> to let the corporation name you as an employee, since you are an 
> independent
> contractor. Liability wise, it makes no difference. The venue has 
> insurance,
> the corporation has insurance and they would pay anyway, if the band blew
> the place up.
>
> My advice: IF, you do a lot of these type of gigs, where insurance is
> required, then buy the insurance and factor it in to your gig prices. If 
> you
> do not do a lot of these gigs, and single event coverage is too expensive 
> or
> not available, then don't do the gig.
>
> If you buy the coverage, go for the lowest priced company that will supply
> the certificate naming the venue as additional insured.
>
> Cheers,
> Steve Barbone
>
>
>
>
>
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