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Insurance Questions

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Insurance Questions

Post by Kristal on Fri May 22, 2009 11:41 pm

I know - having insurance seems like a bit of a no-brainer, but I've got a disclaimer on my invoices that needs to be signed before each event, and that was working just fine.

Now, though, I'm getting more companies asking about liability insurance, and even though I'm not making 30k/year (when Canadian businesses have to be registered), I'm thinking it's time to get 'er done.

So, my questions for you:

*Are there specific entertainment insurance companies/where did you buy yours?
*How much are you paying
and
*What is covered? Anything I should be mentioning when I'm asking around?

Anything I'm not asking that I should?!

Thanks so much!
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Re: Insurance Questions

Post by Metina on Sat May 23, 2009 6:57 am

I paid around $230 US for a year. The biggest think I could advise you to ask is if they add additional insureds for the day at no charge.

I recently did two events where they wanted themselves and the event location covered and each cost me $20 to add. So I had to lop off $80 in my profit.

So I am looking for recommendation on who WON'T charge for this.

Metina

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Re: Insurance Questions

Post by Sherry on Sat May 23, 2009 8:09 am

I went with Specialty Insurance and when I explained that I sometimes work with other artists or have other artists do jobs, Stephanie recommended and I ended up going with the Vendors of the U.S. policy.

After you pay your fee for the year, there's no extra cost.
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Re: Insurance Questions

Post by Kristal on Sat May 23, 2009 2:24 pm

Metina: I will definitely ask about those add-ons. That sounds bunk!

I doubt I could go with Vendors of the U.S., since I'm in Canada, but for curiousity's sake, how much did you pay, Sherry?

Also realised that since I have to register a business name as well as getting insurance, I probably will still have to turn down this other gig...is it in bad taste to suggest another company that I've worked for, and to ask the owner of that company (who was actually my old homeroom teacher - how weird is that?!) to have me be the painter at the event? (or the twister - they want a painter, twister, and bouncy castle) I kind of want to, but am not sure how tacky that would be...?
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Re: Insurance Questions

Post by Sherry on Sun May 24, 2009 7:29 am

Hi Kristal... funny you should ask that, because when I was answering the question yesterday, I was also trying to locate how much I paid for that. Couldn't locate it and now I can't remember the exact price. scratch
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Re: Insurance Questions

Post by Metina on Sun May 24, 2009 8:22 am

Kristal,

I am not sure of the specifics of your situation. I was trying to formulate a response. My advice would be to put the shoe on the other foot. How would it best come from another painter to you with the same insurance issue sound.

One one had it sounds reasonable to ask to work with them since it is your business lead, but then unreasonable because(I think) you want to be covered on their insurance?

Most insurance policies can be obtain within a day or two. I would say work fast and furious to get the coverage you need and the problem is solved.

Metina

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Re: Insurance Questions

Post by Kristal on Sun May 24, 2009 12:29 pm

Sherry - hahaha, funny how that happens, eh? Thanks for trying!

Metina - he's not painter, himself - I've actually worked for him before, and the other painter with me wasn't so great. Reversed, I've hired his balloon twister to cover for me before (and trained the cr*p out of her!), and paid her $40/hour (I charge $90). She doesn't paint, though, and they're more about inflatables than painting...don't even know if that other girl is still there!

I've emailed the client, asking when I can let them know by...the only issue would be time (I go on tour again tomorrow, until next Wed), since I have to get a name registered as well, before getting insurance...

One-time event insurance would be silly, wouldn't it?
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Re: Insurance Questions

Post by Painted Dragon on Sun Aug 30, 2009 9:04 am

I've been looking at specialty insurance. Should I go with the performer one or the vendor one? Can you do fairs and stuff when the performer one?
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Re: Insurance Questions

Post by Perry Noia on Sun Aug 30, 2009 9:50 am

Clowns Canada has some of the cheapest enterainter insurance available in Canada... you have to become a member for $40 a year, then the insurance is $150 a year. I just got my membership done so I'll be getting the insurance shortly. www.clownscanada.com

and you don't have to be a clown to be a member.
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Re: Insurance Questions

Post by Kristal on Sun Aug 30, 2009 1:18 pm

I ended up joining Clowns Canada and getting insurance through them last month! Stephanie @ Hub was great at fielding all of my questions, and started my policy straight away.

It's so lovely getting to say "I'm also a fully-insured member of Clowns Canada" now!
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Re: Insurance Questions

Post by Painted Dragon on Sun Aug 30, 2009 4:35 pm

Don't you have to be Canadian to do Clowns Canada? And/or a clown? Smile
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Re: Insurance Questions

Post by Perry Noia on Sun Aug 30, 2009 8:54 pm

yes well, the one asking about this stuff is Canadian... BC is British Columbia. And no, you don't have to be a clown.
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Re: Insurance Questions

Post by Painted Dragon on Sun Aug 30, 2009 9:01 pm

I reopened this thread. Perhaps I need to start a new one instead.
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Re: Insurance Questions

Post by Perry Noia on Sun Aug 30, 2009 9:06 pm

Sorry... although, I believe there is some insurance in the US through the WCA (World Clown Association)? It might be cheaper than trying to find it independently and again, I don't think you need to be a clown to join those things, they are generally for any children's entertainers.
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Re: Insurance Questions

Post by Dynamike on Thu Oct 01, 2009 3:41 am

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