[Dixielandjazz] Liability Insurance

[Steve Barbone]

I'd have to see that in writing. E.G. Is it Liability insurance covering
what the who band does, or is it term life?

Cheers,
Steve Barbone


on 11/14/06 6:00 PM, Russ Guarino at russg at redshift.com wrote:

> 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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