Damage to Rented Premises (Fire Legal Liability)
As performers, mobile vendors, and event planners, you may be working in spaces you rent. For example, a performer may rent a studio space, an event planner may rent an office space, and a vendor may rent a storage space for their merchandise. A typical Commercial General Liability (CGL) policy has exclusions for others' property left in the insured's care, custody, or control (CCC), which can leave renters exposed if their operations cause damage to a rented property.
So what happens if an
Medical Expenses to Others
In the world of events and entertainment, even the most careful businesses experience the occasional minor mishap. A scrape here, a small cut there...it happens! Fortunately, your Commercial General Liability (CGL) policy includes coverage for Medical Expenses to Others, a simple way to address minor injuries without stress or delay. But what exactly does this coverage include? Let's talk about it!
Medical Expenses to Others is no-fault coverage with preset limits intended to address immediate
Waiver of Subrogation and Primary/Non-Contributory endorsements
At SIA, we know insurance requirements in contracts can feel overwhelming and confusing. That's why we're here! To explain what they mean, help you meet venue requirements, and make sure you're covered when it matters the most. Many of you have probably seen the terms "Waiver of Subrogation" or "Primary/Non-Contributory" when reading insurance requirements. Both are endorsements that some venues may require on their certificates of additional insured, but what are they? Let's break it down.
Th
Audience vs. athletic participation
SIA's policies can include coverage for audience participation, but not athletic participation. But what's the difference between the two? Let's break it down.
What is audience participation?
Audience participation is when spectators get involved in a fun, light, and non-physical way during a show or event. They're not performing; they're just adding to the experience. Think of it as interactive moments that make the show more memorable without putting anyone at risk.
Examples of audience p
Understanding admitted vs. non-admitted carriers
Insurance carriers fall into two regulatory categories: admitted carriers and non-admitted carriers (also known as surplus lines carriers). So, what's the difference? Admitted carriers are approved and regulated by the state's Department of Insurance. Non-admitted carriers, on the other hand, are overseen by the Surplus Lines Office. While the term "non-admitted" might sound like these carriers are less legitimate, that's not the case. Both types are regulated, just through different offices