[Dixielandjazz] Liability Insurance

[Russ Guarino]

To the non-believers:

When I asked my general insurance man about band liability insurance he rolled his
eyes and threw up his hands.
Then by chance I saw something in my union news and.....

Here's an outline of coverage:  [ You have to be a union member to get the
insurance, and they really do check ].

General Aggregate [ other than Products/Completed Operations ]     2,000,000
Products/ Completed operations Aggregate Limit
1,000,000
Each Occurrence
Limit                                                                     1,000,000
Fire Damage Limit [ Any one fire
]                                                       100,000
Medical Expense
Limit
10,000

MARSH AFFINITY GROUP SERVICES
a service of Seabury & Smith, Inc.
1776 West Lakes Parkway
West Des Moines, IA 50266
1-800-503-9227

Russ Guarino

Steve Barbone wrote:

> 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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> >>
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