Shibari performances are a unique form of artistic expression that combines rope work, movement, and sometimes aerial suspension to create a memorable visual experience for the audience. However, with multiple performers, specialized equipment, and unique risks involved, finding the right insurance can be challenging.
Well, look no further! SIA is here to help. Let's break down how our coverage works.
What is shibari?
Shibari is a Japanese art form involving rope tying that can be incorporated into live performances. Some acts take place entirely on the ground, while others involve suspending a performer in the air using ropes and specialized rigging.
These performances often involve two distinct roles: the performer who is tied or suspended and the performer responsible for tying, arranging, or manipulating the ropes. Although both individuals are participating in the same act, each needs their own SIA Performer Policy.
What does the Performer Policy cover?
Shibari performers are eligible for SIA's Commercial General Liability (CGL) Performer Policy, which is only offered on an individual basis. CGL is designed to cover certain third-party claims arising from your operations, such as injuring an audience member, damaging property, or offending someone.
Rigging required for your own shibari performance is included within your covered operations because it's necessary to perform your act. However, rigging for others is not covered. Keep in mind that your CGL coverage does not insure the physical equipment itself (such as against damage or theft). See more on equipment coverage below!
Please note that there is a statement on all insurance documents that coverage only extends to the named insured.
What is NOT covered?
In addition to not being able to rig for others, shibari performers should be mindful of the following coverage limitations:
- Injuries to performers: Any injury sustained by the performer is not included in coverage. Additionally, the policy includes an Insured vs. Insured exclusion, meaning any injury caused or sustained by another SIA performer is not covered.
- Audience participation: Allowing audience members to participate in the tying, suspension, or other hands-on aspects of the performance is not covered.
How to apply for coverage
When completing the application, all shibari performers must select the "Other" checkbox listed under Group 2 and type "Shibari Performer" into the text field. If the performer is suspended in the air, they should also select "Aerialist." Although shibari operations already encompass aerial suspension, selecting "Aerialist" provides additional clarification on your certificate of insurance (COI) at no additional cost.
Please note that the performer on the ground doing the tying is not eligible for assistant coverage. Additionally, aerialists are only covered for operations under 30 feet.
Check out the current Group 2 Performer Policy pricing here!
How to cover your equipment (Inland Marine)
If you would like to protect your equipment from damage or theft, you will need to purchase additional Inland Marine (IM) coverage.
SIA offers two policies for performers with coverage limit options of either $10,000 or $25,000. IM coverage can be added at any time, but it will expire at the same time as your CGL coverage.
Please note that the deductible for all losses is $500, which is the amount you are responsible for before receiving the remaining payout.
Check out current Inland Marine pricing here!
Understanding the 100$ coinsurance clause (Inland Marine)
SIA's Inland Marine (IM) policies also include a 100% coinsurance clause. This means the total value of your listed equipment on the policy must not exceed your selected coverage limit.
For example, let's say you have $20,000 worth of equipment, but you only purchase $10,000 in IM coverage. You might assume that insurance will pay up to your $10,000 limit, and you are responsible for anything above that. However, due to the 100% coinsurance clause, that is not how coverage works. In this example, you've only insured 50% of your equipment's value. Because of the 100% coinsurance requirement, your claim may be reduced proportionally.
The takeaway? Make sure your equipment list is accurate, and its total value falls within your selected coverage limit. Otherwise, you may receive a smaller payout and risk having to pay more out of pocket than expected.
In closing
Understanding how your insurance works is essential, especially when your act involves another performer and specialized equipment. Remember, each shibari performer must carry their own SIA Performer Policy and accurately identify their operations on the application.
While policies are offered on an individual basis, we do have a free option to link your accounts. This would allow you to use one login for multiple policies. If you're interested in this, or if you have any questions, please reach out to the office via email at info@specialtyinsuranceagency.com or give us a call at 715-246-8908!
