[Dixielandjazz] Liability Insurance

[tcashwigg at aol.com]

Don't suppose anyone's ever filed a claim against that policy :))

be interesting to see what happened it they did, that's more dollars 
than they have members me thinks, and I don't know many musicians that 
would shell out that kind of money.

Sounds like it might be for the $2,000. death benefit they sold me way 
back in ought 60 that was forfeited every time I got into disfavor at 
the hall, which for a long time seemed to be weekly.   Not sure if my 
policy was EVER in force, sure glad I didn't die to test it out. :))

Cheers,

Tom

-----Original Message-----
From: barbonestreet at earthlink.net
To: russg at redshift.com
Cc: dixielandjazz at ml.islandnet.com
Sent: Tue, 14 Nov 2006 3:36 PM
Subject: Re: [Dixielandjazz] Liability Insurance

    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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