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Events & Entertainment Insurance PDF Print E-mail

Traditionally, it has been difficult in the past to obtain insurance for people involved in the Entertainment, Events and Music Industry. Many insurers just don’t understand the industry and therefore do not offer insurance or alternatively quote completely outrageous premiums.

We, at Action Insurance Brokers, have 20 years experience in arranging insurances for the Entertainment, Events & Music Industry. We have done the hard work for you and have put together a variety of affordable insurance packages to suit all areas of the industry.
 

We can assist with arranging the following types of insurances:

  • Musical instruments, entertainment equipment, PA sound and lighting, Audio Visual equipment, Theatre sets, props & costumes, Photography, film & video equipment, against accidental loss or damage, theft, fire & extraneous perils and transit damage. 
  • Public liability for performers, bands, music groups, PA operators, concerts, events, community festivals, corporate & private functions, dance parties, Under 18 discos, dance & drama schools and children’s entertainers.
  • Event Cancellation, non-appearance and weather insurance.
  • Personal accident insurance for entertainers, musicians & voluntary workers.
  • Group Travel insurance for bands, entertainers, musicians and production crew.
  • Commercial packages for musical instrument retail shops and recording/rehearsal studios.
  • Professional indemnity for event organisers.
  • Workers compensation (some States excluded - please contact us for further details)

 

Action Entertainment currently handles the insurances for over 1,500 clients. Some our of clients include premier Australian bands, major events & music festivals, production companies, recording studios & film producers.

We have access to all the major Australian Insurance companies and specialist underwriting agencies which guarantees that our clients’ insurances will be placed with financially strong APRA approved licensed Insurers.

Our experience has allowed us to negotiate special insurance schemes that are only available through Action Entertainment Insurance. This means that our clients will have access to a vast range of broad covers at affordable premiums. 

 

Entertainment Equipment Insurance

This insurance is underwritten by Chubb Insurance Company of Australia Ltd (AFSL 239778).

Please note that in arranging this particular insurance policy, we are acting under a binding underwriting authority granted to us by Chubb Insurance Company of Australia Ltd. In that capacity we are acting as agents for Chubb and not as agents for the Insured.

Chubb Insurance has an exceptional reputation for fast and fair claims settlement which is very important when it comes time to choosing an Insurer for your valuable assets.

Under this policy, we are able to cover the following types of entertainment equipment:

  • Musical Instruments
  • Audio Visual
  • Public Address
  • Entertainment Lighting
  • Video & Film Equipment
  • Photography Equipment
  • Theatre Sets, Props & Costumes
  • Mobile Office Equipment relating to Entertainment & Event businesses
  • Static Stages
  • Recording Studio Equipment
  •  

Some of the features & benefits of our policy are:-

  • Agreed replacement value – in the event of a claim you are entitled to claim up to the specified sum insured on your policy schedule or the brand new replacement cost, whichever is the lesser amount. This allows you to even insure second-hand items for their brand-new replacement cost, providing your specified sum insured allows for it. We do not depreciate claims for wear or tear and there is NO UNDER-INSURANCE PENALTY in the event you elect to insure your equipment for the second-hand or a reduced value.
  • World-Wide coverage – our policy automatically covers your equipment anywhere in the World (some countries are excluded – please refer to the policy wording for details of these). 
  • Emergency hire costs in the event of a claim – our policy will pay for emergency hire costs following a recoverable claim under your policy – these costs are paid in addition to the claimed amount of your equipment and are limited to 20% of the claimed amount or incurred hire costs during 30 days following the date of loss, whichever comes first. 
  • Theft without forcible entry from venue of performance, rehearsal, location of event of film / photography shoot. The majority of insurance policies available today only cover theft following forcible & violent entry to a locked premises. Our policy is broader as it will cover theft or loss or equipment from the venue of performance, rehearsal, location of event, film or photography shoot, even when there are no signs of forcible or violent entry. Claims could arise during set up or pack down at these venues, when instruments or equipment could go missing whilst your back is turned.

The above is just a summary of cover. You should refer to the policy wording for the full details of cover provided by this policy, including the conditions and exclusions which are applicable.

For a quotation on ENTERTAINMENT EQUIPMENT INSURANCE, please contact us on 1300 655 424 or complete the application form in the forms library and return it to us at:-

Action Entertainment Insurance
By fax: 02 8935 1501
By email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
By post: Suite 301A/20 Lexington Drive Bella Vista NSW 2153

 

Entertainment & Event Liability Insurance

Are you a band, PA operator or event organiser without public liability insurance?
 

Consider these scenarios:

  • A lead singer of a band was electrocuted by a faulty microphone lead supplied by a PA operator. The singer was badly injured and sued the PA operator for medical costs and loss of potential earnings. The singer was awarded over $100,000 in damages;
  • A band was sued by a venue for causing damage to the venue’s parquetry floor by dragging their equipment over it. Repair costs exceeded $30,000;
  • A stage collapsed on the front row of an audience causing many injuries, some permanent. Estimated damages from ensuing lawsuits are at over $1,000,000. The event organiser was found partly liable for these claims and will have to contribute at least 50% to the final payout;

People are a lot more aware of their civil rights and do not hesitate to sue at the drop of a hat. Even if you successfully defend a lawsuit, the legal costs associated with the defence can sometimes add up to more than the initial claim itself.

 

What should you do to protect you and your assets against these claims?
 

The answer is ACTION ENTERTAINMENT & EVENT LIABILITY INSURANCE.

Public liability insurance will cover your legal liability to compensate third parties for personal injury or property damage caused by an occurrence in connection with your business activities. Public liability insurance also coves the legal costs associated with the defence of these actions.

Question: But doesn’t the venue’s insurance cover me?


Answer: NO, The venue’s public liability insurance is only to cover claims against the venue, not the performer or event organiser. In some cases the venue may insist on the performer or event organiser arranging his/her own public liability insurance. We recommend that you carry your own public liability insurance at all times.

 

We can arrange public liability insurance for the following occupations:-

  • Musicians, music groups, bands and touring performers;
  • One-off special events including music festivals, dance parties, under 18 discos, corporate & private functions, community festivals and events;
  • Suppliers to the entertainment & event industries such as PA sound & lighting production companies, audio visual production and the like;
  • Event organisers, production & event managers, choreographers etc;
  • Performers, children’s entertainers such as clowns, face-painters, costume characters, magicians, children’s party hosts (refer our Perform-Sure Liability Scheme);
  • Dance, drama & performing arts tuition;
  • Theatre productions (amateur and professional).

For a quotation or further information on ENTERTAINMENT & EVENTS LIABILITY INSURANCE, please contact us on 1300 655 424 or complete the application form in the forms library and return it to us at :-

Action Entertainment Insurance
By fax: 02 8935 1501
By email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
By post: Suite 301A/20 Lexington Drive Bella Vista NSW 2153