• Standard Insurance Coverages

• Contingency Coverages

• International Coverages such as General Liability, Workers Compensation & Employers Liability with Repatriation, Worldwide Equipment & Property

• Personal Accident & Sickness Indemnity & Medical Expense, individuals or groups, and Confidential Key Man Life Insurance

• Personal Lines coverages for Homeowners and Auto

Bonds

Fidelity

Surety

Commercial Auto

Fleet and Non-Fleet

Liability

Commercial General

Directors and Officers

Employees Benefits

Employer Practices

Professional (E&O)

Umbrellas/Extra

Workers Compensation

Excess

Statutory

Property

Accounts Receivable

Crime and Employee Dishonesty

Boiler and Machinery

Business Personal Property

Buildings

Business Income and Extra Expense

Demolition Costs

Increased Cost Of Construction

Equipment Floaters

Electronic Data Processing

Money and Securities

Off-Premesis Property

Property Of Others

Valuable Papers and Records

Some of the more common coverages include:

1. Cancellation and/or Abandonment of Events
2. Non-Appearance & Non-Performance Indemnity (& Examples) Events
3. Miscellaneous Contingency Insurance

Covers the abandonment of most types of public or private events or functions. Policies cover concert promoters, theatrical impresarios, exhibition organizers & exhibitors, conventions, and private organizers of social functions of any kind.

Policies are designed to protect your business for loss of expenses and commitments, and in some cases gross revenue, following the cancellation, postponement or abandonment of an event through any cause beyond your business' control, excluding financial causes and/or lack of support.

The most common causes of loss are physical damage to the venue of the event (comparatively small physical damage losses can cause cancellation of the entire event), strikes, non-delivery of required equipment, non-appearance of participants (especially for theatrical productions and concerts), and/or adverse weather conditions (for events being held al fresco).

Basic information required by underwriters includes details of the type of event, full particulars of the venue, the dates the event is to be held, the total sum to be insured and what this represents (expenses, gross revenue, etc.).

2.  NON-APPEARANCE & NON-PERFORMANCE INDEMNITY (& Examples) EVENTS

These policies are designed primarily to cover the contingency of the non-appearance of an Artist and/or Group of Artists engaged to appear at a particular event. This type of coverage is of special interest to theatrical production companies, concert promoters, and others where the presentation will fail if the booked Artist or Group is prevented from appearing due to accident, sickness or death (in some cases, due to any cause beyond their control). Coverage is also available to the Artists themselves to protect them from their loss of contracted fees and other expenditures if they are unable to undertake a contracted engagement due to their suffering accident or sickness (or other causes beyond their control).

Basic information needed by underwriters includes details of the Artists, such as name, age, profession, the Artist's or Group's past non-appearance record, the type of performance, the venue, the date(s) on which the performance(s) is/are to be held, the sum insured and what it represents (expenses, box-office receipts, contracted fees, etc.). In all cases, medical evidence will be required by underwriters before coverages attach.

It is important to remember that such coverages normally require that the inability of an Insured Person or Group to appear, or the Event to take place, be for insured reasons which are strictly beyond the control of either or both the Insured Persons or Groups and the Named Insured on the policy contract.

Provides coverage in the event of cancellation, postponement or abandonment caused by the non-appearance of specified insured persons due to accident, sickness or death only.

B.  Non-Appearance Indemnity "All Causes":

Insures the cancellation, postponement or abandonment of a scheduled performance, concert, event or production due to the non-appearance of the insured person or group as a result of "any cause" beyond the control of both the Insured and the Insured Persons.

C.  Non-Delivery or Delay in Transit Indemnity:

This has to do with downtime or cancellations of scheduled events caused by the delay in arrival (or failure to appear) of property and equipment shipped by various means, which is actually beyond the control of the parties involved.

Musical Groups, Theatrical Companies, and Exhibitors may be protected against financial loss suffered in consequence of their property being delayed in transit, due to causes beyond their control, which causes a cancellation of an event.

D.  "All Causes" Non-Performance Indemnity:

Covers cancellation, postponement or abandonment due to "any cause" beyond the control of the Insured but with respect to the physical happenings "at the locus" including non-delivery of equipment and other physical causes, excluding the non-appearance of persons/performers.

E.  "All Causes" Cancellation and Abandonment Coverage:

This is a broad coverage which indemnifies costs incurred and/or loss of profits as a result of cancellation, postponement or abandonment of a concert, event or production due to "any cause" whatsoever, which is beyond the control of both the Insured and Participants, including all of the above, subject to appropriate policy exclusions and conditions.

F.  Moral Turpitude Coverage:

Indemnifies loss sustained as a result of cancellation or abandonment or a project/event/production due to the named Individual/Group being unable to complete the project due to accident, sickness or death or as a result of the named individual/group committing any criminal act or offense against public taste or decency or should the person become involved in any situation or occurrence tending to degrade him/her in society or bring him/her into public disregard, scorn, ridicule or disrepute or tending to provoke, insult or shock the community or any sizable group or class thereof or reflecting unfavorably upon the insured or their products- usually covers unamortized expenses and costs, etc., reducing exposed limits over the duration of the coverage (the foregoing predicated on causes being beyond the control of both the Named Insured on the policy and the insured Person).

G.  Catastrophe Non-Appearance:

Covers cancellation, postponement, or abandonment due to some (agreed upon) percentage of the performers or members of the group/cast being unable to appear due to accident, sickness or death, etc.

More risks come under the heading of "miscellaneous" than any other definable class. Generally, financial loss consequent upon almost any given insurable "contingency" or unexpected, fortuitous occurrence can be protected in one way or another, including:

Protection may be provided against the consequences of accidental loss or damage, for example,

1. an Exhibitor may protect for the loss of expenses and rental liability following the inability to display an exhibit at an Exhibition in an undamaged condition
2. a touring Theatrical Company may insured against loss should it be unable to present performances of its production because of loss of or damage to the scenery, costumes, or equipment.

B.  Adverse Weather Extra Expense Indemnity (including Rain Insurance):

This coverage pays for such extra expenses incurred in the event of the postponement, cancellation, or abandonment of any or all of the events resulting from adverse weather "at the locus", or anywhere, which reasonably and necessarily prevents the event from being performed.

Rain Insurance such indemnification in the event of a "measured amount" of precipitation.

C.  Animal Mortality:

Covers the death of land, sea, and air creatures for their specified value. Coverage can be arranged on an All Risks, Specified Perils Only, or Transit Only basis.

D.  Animal Extra Expense Indemnity:

Covers additional or extra costs incurred in the completion of the Production necessitated by the death or disability of a specified insured land, sea, or air creature.

E.  Closed Circuit Telecasts:

To protect a Theater or Cinema owner, operator, or promoter proposing to screen closed-circuit TV of a major sporting or concert event, or other similar attraction, against the loss sustained by virtue of refunds of admission monies necessitated because of breakdown or failure of transmitting or receiving equipment.

F.  Confiscation, Expropriation, Nationalization & Deprivation:

Covers loss of and/or damage to insured property directly caused by confiscation, seizure, appropriation, expropriation, deprivation, nationalization, requisition for title or use or willful destruction by or under the order of the government (civil, military, or de facto), and/or public or local authority of the country in which the insured property is covered, excluding war.

G.  Political Risk Insurance:

An Extra Expense coverage in the event of loss of permission to continue operations in a particular country, the revocation of permits, licenses or approvals to conduct the activities of the Insured in that country and the ultimate Extra Expense incurred in going elsewhere to do the same. Sometimes referred to as Forced Relocation Expense.

Typical exclusions include: war, invasion, acts of foreign enemies, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection, military or usurped power.

H.  Television Transmission Failure (and related coverages):

Covers the failure to provide the entire sound and/or picture of the televised event due to mechanical and/or electrical breakdown, failure or malfunctioning of power supply and/or satellite and/or transmission and/or receiving and/or projection equipment, lines and/or appurtenances - can cover either any or all segments of the system at the telecast facility, uplink, satellite, downlink, receiving and/or rebroadcasting stations and/or terminal receiving locations on any basis of indemnity for financial loss sustained (including the usual Closed Circuit Television Interruption Coverage which indemnifies the refunding of actual ticket sales necessitated by the inability to present the sound and/or picture of the televised event at special locations due to the same causes of loss).

I.  War Risk Coverage:

Available on property while in transit only, and only when the period of exposure is less than 12 months in duration.

Somewhat similar to "non-appearance" indemnity, this type of policy caters to the requirements of persons or companies within or outside the professional entertainment field: such as providing coverage for increased expenses which a company might incur in obtaining the services of a substitute employee in the even of a "Key" employee becoming disabled. Similarly, a company may wish to be protected in other ways, for example, against their loss of revenue if they are deprived of the services of this Key person. Coverage can also be obtained for the continuing payment of salary for which a company may be liable under a senior employee's Contract of Employment.

Indemnities relating to title deeds of property, stock certificates, and bank deposit receipts. The intention is to assist the rightful owner of the documents to obtain the issuance of duplicates or replacements or, regarding title deeds, to conclude a sale or secure a mortgage.

B.  Missing Beneficiaries:

This indemnity is required in favor of administrators, executors, and trustees concluding a settlement or exercising their authority in the distribution of an Estate or Trust Fund in the event of their being unable to trace one or more of the beneficiaries.

C.  Breach of Warranties (Sale & Purchase Agreements):

This indemnity is offered to Purchasers and/or Vendors for loss or liability assumed under a Sale or Purchase Agreement resulting from Breach of Warranties, Agreements, and Covenants through wrongful or erroneous representations.

For Manufacturers of Capital Goods or Contractors entering into contracts for the design, manufacture, and supply of machinery and equipment and/or the erection or commissioning of plants, particularly for export. Depending on the terms of the contract, the following forms may be available:

1. Bid (Tender) Bank Guarantees
2. Bank Guarantee Insurance
3. Contract Ratification
4. Force Majeure Termination
5. Contract Repudiation
6. Import/Export Embargo Risks
7. Penalties for Delay
8. Penalties for Non-Performance
9. Rejection
10. Recourse Indemnity Insurance

Although there are a variety of Professional Liability ("E&O") forms available, for varying classifications of business, the following is a summary of subjects addressed by Producers E&O

• Invasion or infringement of or interference with the right of privacy or publicity

• Infringement of copyright or trademark

• Libel, slander, or other forms of defamation

• Unauthorized use of titles, formats, ideas, characters, plots, performance of artists or other performers or other program material in the insured production, but only as to such claims based on infringement of copyright or common law property rights or literary or musical material, plagiarism, unfair competition, or piracy

• Breach of contract, implied in fact or in law, resulting from the alleged submission of program, musical, or literary material used by Insured with insured Production