Specialty Insurance Agency Blog

The performer policy has an exclusion for pyrotechnics and fireworks. While it's easy to grasp what fireworks are, defining pyrotechnics is a bit trickier.

For the purpose of the performer insurance policy, our carrier defines a pyrotechnic substance as a substance or mixture of substances designed to produce an additional effect by heat, light, sound, gas, smoke, or a combination of these (beyond simply fueling for a fire performance). It's usually contained in a machine but may also be applied as an additive to fire props or skin for special effects. 

We have had fire performers ask if

SIA's newest insurance program covers groups of select performers, as well as businesses that fall under categories of Music, Photos, and Event Planners (MPEP). Today, we're discussing event planner insurance. Insurance for an event planner isn't for someone putting on an event, but rather someone who is booking talent/groups/individuals for events. The MPEP program provides event planner insurance to protect against third-party bodily injury and medical claims, property damage to a venue or other third party, business legal defense fees, advertising liability, and any slander or libel claim. 

It's no secret that insurance policies are filled with clauses, provisions, and exclusions, which is why we always recommend reading your insurance policy closely and coming to us with any questions. We do our best to highlight what exactly is covered on our Performer and Vendor webpages, but if you ever have any doubt about your coverages, just ask! 

One clause we wanted to discuss in detail is the 100% coinsurance clause on the Inland Marine (business personal property) rider in the Performer and Vendor insurance policies. Inland Marine is an optional coverage you can add to your

Maybe you've been in the industry for many years, maybe this is all new to you, but you may find yourself asking...Why insurance? Why now? Maybe you're even asking yourself "What is a Commercial General Liability policy?"

In the past few years across the industry, we've experienced more and more events/venues cracking down on insurance requirements to help better protect themselves from certain liabilities. This is where a Commercial General Liability (CGL) policy comes into play! The standard CGL policy helps protect you in situations where others may be injured because of you, from