What's the difference between an additional insured and a certificate holder?
Both an additional insured and a certificate holder are third parties that may be named on your policy. However, there are few key differences between the two! Let's break this down.
What is an additional insured?
- Is a named business (such as an event/venue) on your policy.
- They're protected under your policy.
- They can file a claim if they're sued due to something that arose from your actions/business.
What is a certificate holder?
- Is a named business (such as an event/venue) on
Should a band have insurance?
If you're in a band, you may find yourself asking "Do I need insurance?" The answer is yes! Across the industry, we're seeing more and more events/venues requiring proof of Commercial General Liability (CGL) insurance from entertainers. By requiring bands to hold their own insurance, the event/venue won't have to submit a claim on their policy, which could have possibly lead to an increase in their premium. Whether you're just starting out or you've been performing for years, holding a CGL
Types of MPEP endorsements
Our Music, Photos, and Event Planner (MPEP) policy includes the additional insured endorsement form CG 20 10, but a few other types of endorsements are available by request for an extra charge. This blog will explain the different types and why they may be needed.
Other types of endorsements available for an additional charge include the following:
- Primary and Noncontributory. The cost for this endorsement is $100 for each certificate or $250 for the duration of the policy. Surplus lines
Performers with vendor booths
Do you hold a performer policy and sell merchandise? Depending on your operations, you may need both our performer policy and a mobile vendor policy. Our mobile vendor policy insures your business, but not independent contractors, while our performer policy insures you, the individual. Whether you need both policies is on a case-by-case basis, but we've provided some examples below!
Example 1: You're a magician! After your jaw dropping performance, you set up a small table next to the stage
Sexual Abuse and Molestation (SAM) Coverage
Sexual Abuse and Molestation (SAM) coverage is typically requested for those performing or vending at schools or malls. There may also be other events/venues that require SAM coverage. This coverage doesn't protect you against a claim for abusing or molesting someone, but rather if you're left in charge of a group of minors and something happens between them. When performing or vending for a group of minors, we suggest asking the venue to also have an employee or staff member be present at all
