Performing Arts Insurnace Overview

Product Coverages:

• General Liability
• Property
• Directors & Officers Liability with Employment Practices coverage
• Inland marine
• Liquor liability

General Liability Features:

• General Liability limits up to $1,000,000/$2,000,000
• Molestation and Abuse sublimit
• Expanded definition of Bodily Injury to include Mental Anguish and Emotional Distress
• No Deductible

Property Product Features:

• Special Cause of Loss form
• Equipment Breakdown-includes free boiler inspection if required
• Value Plus Endorsement
• Business Income coverage

Directors & officers/ Employment Practices Features:

• Unlimited Extended Reporting Period for former Directors & Officers replace with “Lifetime Occurrence Reporting Provision”
• Limits up to $5,000,000
• Separate Limits of Liability
• Unlimited Defense Costs outside the limit

Inland Marine Features:

• Available on both a blanket and scheduled basis
• Transit coverage is automatically included

Liquor Liability features:

• Limits up to $300,000/$300,000
• Defense costs are outside policy limits
• No Deductible

Performing Arts Insurance Claims Examples

Property Claims Examples:

• A water pipe bursts in a theater, resulting in extensive damage to the set, props and wardrobe. In addition, the incident causes the cancellation of two performances, forcing management to refund two nights’ box office receipts. The organization suffers a loss of $50,000 for property damage and business income

General Liability Claims Examples:

• TA patron attending a classical performance slipped and fell in the bathroom of the theater. The patron broke his arm. The patron filed a lawsuit against the organization for pain and suffering, medical bills and rehabilitation expenses.

Inland Marine Claims Examples:

• During an overnight trip, the theatre group locked its equipment in the van and spent the night at a hotel. Later that night, someone used a crowbar to pry open the van and stole all the theatre equipment. The next morning the director noticed that the equipment was missing and notified the police. A total of $9,700 of equipment was stolen.

Directors & Officers Claims Examples:

• A donor made a large contribution to a theatre group. The funds were to be used primarily to expand and update the existing theatre. Instead, the theatre group, through its executive director and board of trustees, decided to use the funds to take a trip to see a Broadway musical. The donor filed suit, alleging misappropriation of funds. The damages included return of the full contribution plus interest. As some of the money was already spent, the non profit would be financially unable to return the entire donation.

Abuse & Molestation Claims Examples:

• Parents of a child in the Community Choir sued the organization alleging negligent hiring of the choir director who went overboard when he improperly touched their child during a practice rehearsal.

Liquor Liability Claims Examples:

• An underage patron was served alcohol while attending a performance. After leaving the performance, the underage patron got into his car, lost control of his vehicle and struck a telephone pole. He suffered severe facial lacerations. The attendee is suing the theatre group for illegal service to a minor to cover his medical bills totaling $100,000.

Performing Arts Package Insurance:

The All-In-One policy designed for performing arts organizations including museums, art galleries, theatre companies, comedy/dance/musical troupes , ballets, choirs or orchestras by providing the opportunity to package general liability, property, inland marine, liquor liability and Directors & offiers with optional employment practices liability.

As a performing arts organization, do you have the right coverage?

• General Liability that includes Mental Anguish or Emotional Distress
• Slip and falls by patrons attending performances
• Molestation and abuse coverage
• Inland marine coverage for Theater property or musical equipment
• Immunity does not prevent a organization from being sued
• Employment-related laws are the same for any type of organization
• Organization may be held liable for the actions of members or other persons serving alcohol in violation of state laws

Why should you choose our performing Arts insurance Package:

Maximize efficiency: One Application, One Quote, One Underwriter, One Policy, One Renewal, One Carrier for all claims, with one concurrent effective date.

Coverage Features checklist:

The following are important coverages to have in your policy. Check to make sure you have all of these features:

Coverage Features	Our Policy	Competitors' Policy
Separate limits of Liability for D&O, EPL, GL and Liquor Claims		?
Molestation and abuse limit included at no additional charge		?
Special Cause of Property Loss/Replacement Cost Coverage/Optional Equipment Breakdown Coverage		?
Limited Occurrence Reporting Period (Occurrence feature for former D&O's)		?
Coverage for Outside Directorship Liability for D&O		?
Mental Anguish and Emotional Distress included in the General Liability definition of Bodily Injury		?
No Designated Premises Endorsements		?
Value Plus Endorsement – 15 valuable coverage enhancements including: Water back-up, Money & Securities, Employee Dishonesty, Signs and more		?
Inland Marine coverage available on blanket or scheduled basis with transit coverage automatically included		?