[Dixielandjazz] Liability Insurance

[Russ Guarino]

The one benefit of belonging to the union is the low cost of $2,000,000 of
insurance.  $255 for the whole year.

Russ Guarino

Steve Barbone wrote:

> 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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