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This coverage is designed to protect the Named Insured against all sums that they shall become legally obligated to pay as compensatory damages resulting from an insured claim for bodily injury, property damage or personal injury to third parties arising out of the operations as a professional musician. It includes the cost of a lawyer to defend you.
The Commercial General Liability coverage offered through the program would not be intended to cover touring exposure. A tour is defined as a series of pre-scheduled performances in different cities, performed by an artist or group over a series of weeks or months. A tour has a scheduled start and stop date and the band/musician is responsible for booking the venues in which they perform. If you are a touring band/musician, please see our music tour liability page. The musical tour exclusion does not apply to insured property and musical instruments.
This Commercial General Liability policy provides coverage for claims arising from a personal recording studio. This Commercial General Liability policy excludes claims arising from the operation of a commercial recording studio with annual revenues of $100,000 or more. Operators of commercial recording studios with annual revenues of $100,000 or more can use StudioPolicy to buy a policy online.
This policy excludes liability arising out of the use of motor vehicles, aircraft (including UAV and drones) or watercraft.
Commercial General Liability also includes coverage for Tenants Legal Liability (coverage for your professionally used rented premises) and Employers Liability (Canadian employees only) equal to the Commercial General Liability limits chosen. The Commercial General Liability / Tenants Legal Liability coverages would not apply to personal residence or any activities outside of those of professional equipment operator.
This policy is subject to the Field of Entertainment endorsement.
We often get the question, “Where do I upload my photos/list of my insured equipment?” …actually, we do not require an equipment list for our files, but it is a requirement that insurance clients have an equipment list that can be supplied to the insurer in the event of a claim.
How should this equipment list be assembled? There is no one “official” or “proper” way of doing it. Simply create a spreadsheet and document all the information you feel necessary to keep track of your gear.
INSTRUMENTS
The policy territory for instruments is limited worldwide. This means that there is coverage anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the governments of Canada, the United Kingdom or the United States of America.
COMMERCIAL GENERAL LIABILITY
Coverage Territory (excluding Non-Owned Automobile Liability) applies anywhere in the world with the exception of any country or jurisdiction which is subject to trade or economic sanction or embargo by the governments of Canada, the United Kingdom or the United States of America. In jurisdictions where the insurer may be prevented by law from paying damages or defending lawsuits they will indemnify you.
No, there is no exclusion on rap music/hip hop-related events and the insurance rates are not higher.
We do not have monthly payment options for our online policies.
We offer insurance for music schools in Canada but this would be separate from the instrument insurance online program. Protégé is an insurance product custom-designed for art schools (including music schools) by Front Row Insurance Brokers. Read more about the policy here. This policy can be arranged offline.
If you have had $10,000 or more in claims paid in the past three years, we will not be able to process your application online. Please contact our office and we would be happy to discuss options for placing coverage. You must disclose all prior Instrument/Equipment related losses that were indemnified by an insurance company. It is your responsibility to acknowledge these claim payments. Failure to do so would be grounds for denying any coverage. If you purchase or renew online without disclosing your loss history, the Insurer will flat cancel your policy effective inception and you will be required to acknowledge this cancellation on all future insurance applications, which may increase your premium or deny you coverage. If you are cancelled under this program as described, note that Front Row Insurance Brokers Inc. will not provide alternative terms for you.
Touring is defined as a series of pre-scheduled performances in different cities, performed by an artist of group over a series of weeks of months. “Touring” has a scheduled start and stop date and the band/musician are responsible for booking the venues in which they perform.
Please see our music tour liability page.