I've exactly recently set up my own entertainment agency. Just wondering where the best place is to get public liability insurance from for all the artistes on our books? Any adept insurance brokers?
Also...do i need employers insurance if im only ever gonna "subcontract" artistes (i.e. they toil for me under a contract that states they are self employed)?
Many thanks,
Tom
A: Hi Tom
The counter-statement will depend on where you live and conduct your business. Most companies will be willing to insure your province but you might have difficulty getting a company to insure all the different artists you might work with. They will most no doubt need their own coverage.
The best place for you to look is an Independent Insurance Agent in your square footage. Since they represent many companies and brokers they will most certainly be able to find you the coverage you need.
As far as 'employers' liability again it will depend on your grandeur law. Here in New Mexico you are required to carry this coverage if you employee three or more employees. Again, your agent should be informed the law and how that would affect a business such as yours. Good Luck!
Barbara B | Oct 21, 2008
Need help about liability insurance?
Jun 07, 2007 by solitary | Posted in Insurance
Q: Our vessel was being kept at a boat yard where it was having work done on it as we had only just bought it days before. In superficial, the owners of the boatyard offered to get us insurance through their broker as it would be the best deal. We went for this but unfortunately the workshop was attacked by arsonists and burnt down, along with our skiff, before they did this. The owners have promised on a number of occasions (including once in front of a police officer) to get us a new runabout for compensation to the same value. More than a month later and we can't get hold of them and nothing has been done. We have also now found out that they didn't have liability insurance on the place.
As we are getting hot-tempered as the weeks and months go on, we are wondering where we stand legally with this. Is public liability insurance necessary? Can we go to court with this & do we have a leg to go to bat for b wait in the wings on?
A: OK, THEIR liability on the diggings, IF they had it, would be for like slip & fall claims while you were on their premises. It would NOT cover the physical mutilation of YOUR boat, while it was being kept there. Liability specificially excludes coverage for property in your care, imprisonment, or control.
Likely, public liability (slip & fall coverage) is NOT required. You could go to court, but unless they caused the fire (were THEY the arsonists)? You will misplace. If they DID cause the fire, it's not going to help you collect. LIkely these people just confused everything they have, and good luck getting anything from them.
NEVER EVER EVER rely on a third party to get insurance for YOU! NO ONE will look out for your interests as well as you can.
mbrcatz | Jun 07, 2007
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(To the fullest extent Syndication) Auto insurance is one of those requirements for driving a car, along with a valid driver's empower. Although indemnity ...
What is Public Liability Insurance, and Why Do I Need It?
by kuntz
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