Anderson Group Performance Liability Insurance FAQs
What motivated Anderson Group to begin a performance liability program?
Weekly calls from our insured’s inquiring if we offered performance liability insurance. We decided to send out an email survey to many of our customers and received several hundred quality responses giving us valuable feedback as well as indicating various levels of interest.
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Was this performance liability program launched due to an insurance industry trend or based on customer demand?
The Anderson Group Musicians Alliance performance liability insurance program developed due to repeated requests from our customers. Performance Liability Insurance is not an industry trend, quite the contrary in fact as this sort of coverage is very difficult to find at an affordable price, and generally quite expensive when you can find it. More often than not, we have found that you have to buy a single event policy for each and every event or venue requiring a certificate of insurance.
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Do I have to be a member of a musician association, such as the American Harp Society, to access this program?
We carefully worked out the definition of the covered events hazard class to fit a wide range of musicians with our insurance carrier, OneBeacon Group and their wholly owned subsidiary, Entertainment Benefits International.
If you are a Solo or chamber musician performing in the classical, traditional, popular, folk or jazz genres including recitals and musical master classes you most likely fit the program parameters. If you perform in concert halls, function halls, church, hospital, nursing home, hospice, hotel and convention center you would fit the program eligibility requirements. This program is open to just about any solo performer or small group of individuals (excluding rock bands,) although we have a access to a fantastic program through Entertainment Brokers International for bands too that covers performance liability insurance, equipment and electronic on tour and at their home base.
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Can you give me some hypothetical conditions under which this policy would be used?
Since we have received hundreds of requests from harpists, let’s look at some of the ways a harpist can use this policy. A harpist signs on for a regular weekly engagement at a hotel for Sunday brunch at a hotel or resort that requires a certificate of insurance. A harpist plays weddings and the venues where the bride and groom have contracted require certificates of insurance before they allow an outside contractor to perform at their facility. A harpist plays a concert, either as a solo or part of a small chamber group, and the hall requires a certificate of insurance before they are allowed to perform. A harpist contracts with a convention center for event functions requiring a certificate of insurance for their performance. A cruise ship engagement requires a certificate of insurance before contracting with a harpist to perform throughout the cruise. Harp therapy at hospitals, nursing homes, hospice etc. Change the instrument to suit your personal situation.
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Does a performance liability policy cover both performing and teaching?
Yes. However there are some challenges that might present a problem issuing a certificate of insurance for some teaching events. An example of this would be if a masters class or teaching event has attendees that are minors. There is a very customary abuse and molestation exclusion on the policy, so it is always a good idea to read the policy for complete details as the facility where the class is held might request removal of this exclusion. (We are able to custom design this policy to suit your specific needs, however that would require an increase in premium.)
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Is there such a thing as an "umbrella liability" policy, and is this different from a performance liability policy?
These are two different policies that do cover different things.
If so, what is the difference between an umbrella policy and a performance liability policy?
A performance liability policy covers a performer and allows the issuance of certificates of insurance whenever and just about wherever they plan on performing. An umbrella policy places an umbrella of coverage over the performance liability insurance policy adding additional limits of protection, customarily beginning at $1,000,000 with limits available. Excess Liability Umbrella’s are common for individuals that need to place additional coverage of $1m or higher over one or more policies that have the required minimum underlying limits. Examples of this would be an individual placing an excess liability umbrella over their home, auto(s), boat, home rented to others, etc. In the case of commercial or business exposures, excess umbrellas could be placed over a performance liability insurance policy and it could also extend over a studio and workers compensation policy too.
Our thanks to Ann Lobotzke, www.iharp4u.com, who recently presented the above questions to us in research for an article appearing in the near future addressing Performance Liability Insurance for harpists.
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Other Questions?
Is there a combined policy discount (instrument policy and liability policy)?
YES! Anderson Group Musical Instrument Insured’s save $10 on their performance liability policy.
Once an annual policy is purchased, can I get certificates of liability for each location as needed?
Sure. Just click here to issue your own certificates, online, 24/7 x365 days!
How long will it take to get a certificate for a location I am playing at?
Once your policy has been issued, you can issue your own certificate of insurance for performance liability insurance just minutes before the event (although we don’t recommend waiting until the last minute just in case you run into problems).
How do I pay for this coverage?
By check, money order or by credit card on our secure server. Your performance liability insurance will become effective after you receive approval from underwriting and your payment has been received in our office.
How quickly can I apply for performance liability insurance and how soon can I get coverage in place?
We try to get back to you within the same business day wherever possible. We do guarantee a response within 2 business days, maximum.
How do I apply for coverage?
It takes just a few minutes to Apply Online!
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More Questions To Be Added Soon! If you're question isn't answered, feel free to use the Live Support button to chat with us or leave a message. |
