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Insurance Dilemma....

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Re: Insurance Dilemma....

Post by Perry Noia on Wed May 16, 2012 9:43 pm

No, she's with the Clowns Canada insurance handled through HUB International. No point in talking about WCA and Specialty for you, Jessica, they aren't available for Canadians. Canadian options were listed in this thread already. My insurance is through Clowns Canada and they are very good about providing certificates for festivals and such.
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Re: Insurance Dilemma....

Post by Guest on Wed May 16, 2012 10:44 pm

Face Painting by Jessica wrote:And you're with Cafaba?

No, Clowns Canada. Any children/family entertainer can join - you don't have to clown.

http://clownscanada.com/

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Re: Insurance Dilemma....

Post by Shelley Bellefontaine on Thu May 17, 2012 9:13 am

I am with CAFABA, Ours is with CG&B. We have an initial fee that covers two people, and it covers henna. For each additional person it's about $75 ( that includes tax)They are great with certificates too. One of my American friends told me that with her policy they had to PAY for the certificates of insurance.. we do not!
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Re: Insurance Dilemma....

Post by Miss Ronnie on Thu May 17, 2012 9:51 am

btw, Shelley, that is a gorgeous mask!
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Re: Insurance Dilemma....

Post by facetheart on Sun May 27, 2012 1:12 am

I'm with cafaba as well but I thing for you jess you could do clowns canada adn there in toronto. you don:t need henna or 2 other artists as well. But yet when you work for those other ladies just ask them how you are protected.

They must have some entertainer liability and maybe you could get her to pay it for you orn have you as an additional insured. If you were to work with me you would be insured with me.
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Re: Insurance Dilemma....

Post by JBM on Sun May 27, 2012 4:28 am

I've heard of 2 people having claims, one ended up the painter paid all the medical expenses for the reaction, the other was one I read on facebook not sure what the outcome was.

It's something that you buy so you never have to use it. All the corporate and festival jobs I've done have required it so if you have ambition to grow your business you'll probably need it. I guess for b-day parties you may not be legally required to have it but in this day and age it is comforting to me to know I'm covered. That said insurance is not a blanket cover-all - your actions if there were to be a claim would be under scrutiny - how clean is your kit, what paints do you use, etc as companies don't automatically pay out on a claim.

Also I if you are a small business it can be a good idea to insure yourself against accident/injury/inability to work Very Happy
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Re: Insurance Dilemma....

Post by jenny rae on Wed Jun 06, 2012 9:46 am

I'm so glad you posted this, I'm in the same boat. I was looking at specialty insurance, but I think I would need performers and vendors since fairs say you need liability insurance to cover grounds and other booths should yours fly away and destroy someone else's . That adds up to more than $500. Is there insurance that covers me and my booth space?

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Re: Insurance Dilemma....

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