Frequently Asked Questions / Foire Aux Questions

Note: the person who listed as the applicant will become the Named Insured on the policy. The name of the insured should match the name on the rental contracts/location agreements. The Named Insured has special rights and duties. These rights and duties are explained in General Rules of the policy wording.

Video: Steve Beatty explains the "Named Insured"

Individual

If you are applying as an individual, please list your full legal name in the Applicant’s name box.

Partnership or Joint Venture

If you are applying as a Partnership or Joint Venture please list you and partners or co-ventures full legal names.

Trade Name/Unincorporated Company  

If you are applying as a company that is not incorporated please list your full legal name and your unincorporated company name by including the acronym dba (doing business as).  An example of how to correctly list your name in this scenario is below:

Jane Doe dba ABC Production  Company

Corporation

If you are applying as a Corporation, please list the full legal name of your corporation including the company’s designation (i.e. Inc. Ltd, Corp.)

Please note that if you need to list vendors (i.e. Rental Houses) or locations as an additional insured or loss payee, they should not be listed as the applicant/Named Insured. When you purchase the policy, you will be supplied with a blank certificate of insurance. This certificate will allow you to add loss payees and additional insureds to your policy as needed per the terms and conditions of the policy.

If you choose to purchase your policy on the same day you want the policy to go into effect, the coverage begins at the time your confirmation email is received with the policy documents.  

If you purchase a policy for a future date, the coverage will begin at 12:01am on the date chosen.

Please note that the policy cannot be backdated.

This should be the total gross production budget. (Including but not limited to the  cast & crew salaries; theatre rental; sets/props/wardrobe)

The maximum number of days that can be covered under this program is 28 days. If you require a policy term that exceeds this, please contact our office for a quote.

Theatrical Property Pack:  $50.

This coverage is designed to protect against all sums that the insured shall become legally obligated to pay for bodily injury, property damage or personal injury to third parties arising out of the operations of the insured production. It includes the cost of a lawyer to defend you.

This policy excludes liability arising out of the use of motor vehicles, aircraft or watercraft.

Click Here to see the full policy wording for the complete coverage terms and exclusions.

The Commercial General Liability also includes coverage for tenant legal liability (coverage for your professionally used rented premises), Employers Liability (Canadian employees only) and Non-Owned Auto Liability equal to limits chosen. The Commercial General Liability / Tenant Legal Liability coverage’s would not apply to personal residence or any activities outside of those of the insured production.

This policy is subject to the Field of Entertainment endorsement. (Errors & Omissions related to content)

If you purchase Commercial General Liability, Third Party Property Damage is automatically included. Third Party Property Damage provides coverage against all sums the insured shall become legally obligated to pay because of loss of, injury to, or destruction of property of others in the care, custody or control of the insured. Please note that Third Party Property Damage is only available when the Commercial General Liability is also purchased.

Are volunteers or freelance employees covered?

Yes, the policy extends to insure the actions of these individuals to the same extent as they would be covered if they were employed by the rental client.

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Check out these videos on how to add an additional insured to your policy:

How do I add an additional insured to my policy?

What does it mean to add an additional insured to my policy?

If your performance type is not listed, it may not be eligible to complete the purchase of insurance online. Please contact our office and we may be able to arrange a quote offline.

Yes, you should purchase event insurance even for a virtual event because issues can still arise at the venue where the virtual event is being streamed; e.g., property damage, bodily injury.

If your virtual event is a general event (non-performance), buy event insurance.
If your virtual event is a dance, musical, theatrical or other performance event, buy SOLO theatrical insurance.

Note: for virtual events that transact financial data, such as credit card information, there will be no cyber coverage if the information is breached.

If you’re holding a general event that is not a dance, musical, theatrical or performance event, you only need to purchase one policy: short-term event insurance. (if the event is a covered event; check the event type dropdown on the portal to verify)

Once a policy is purchased, you can request policy changes HERE. Please note: changes that result in additional premium owing are subject to a $25 change fee. 

Click the below links to review a copy of the full policy forms:

• General Liability
• Solo Entertainment Package

GENERAL EXCLUSIONS - APPLICABLE TO ALL SECTIONS OF THIS POLICY

Click the below links to see a copy of the full policies for the complete coverage terms and conditions:

• General Liability
• SOLO Package Policy

1. CONSEQUENTIAL LOSS EXCLUSION:
Any consequential loss or damage which the Insured suffers by reason of claims by third parties for failure of the Insured to fulfill any contract is hereby excluded.

2. ELECTRONIC DATE RECOGNITION EXCLUSION:
This policy does not insure any loss, damage, cost, claim or expense, whether preventative, remedial or otherwise, directly or indirectly arising out of or relating to:

1. the calculation, comparison, differentiation, sequencing or processing of data involving the date change to the year 2000, or any other date change, including leap year calculations, by any computer system, hardware, program or software and/or any microchip, integrated circuit or similar equipment or non-computer equipment, whether the property of the Insured or not; or
2. any change, alteration, or modification involving the date change to the year 2000, or any other date change, including leap year calculations, to any such computer system, hardware, program or software and/or any microchip, integrated circuit or similar device in computer equipment or non-computer equipment, whether the property of the Insured or not.

The exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence to the loss, damage, cost, claim or expense.

3. A. ELECTRONIC DATA EXCLUSION:
Notwithstanding any provision to the contrary within this policy or any endorsement thereto, it is understood and agreed that:

1. This policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECRONIC DATA from any cause whatsoever (including but not limited to COMPUTER VIRUS) or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom, regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

ELECTRONIC DATA means facts, concepts and information converted to a form useable for communications, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programs, software and other coded instructions for the processing and manipulation of data or the direction and manipulation of such equipment.

COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorized instructions or code including a set of maliciously introduced unauthorized instructions or code, programmatic or otherwise, that propagate themselves through a computer system or network of whatsoever nature. COMPUTER VIRUS includes, but is not limited to, “Trojan Horses”, “Worms”, and “Time or Logic Bombs”.

2. However, in the event that a peril listed below results from any of the matters described in paragraph (i) above, this Policy, subject to all its terms, conditions and exclusion, will cover physical damage occurring during the Policy period to property insured by this Policy directly caused by such listed peril.

Listed Perils:
Fire
Explosion

3. B. ELECTRONIC DATA PROCESSING MEDIA VALUATION:
Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows:

Should electronic data processing media insured by this Policy suffer physical loss or damage insured by this Policy, then the basis of valuation shall be the cost of the blank media plus the costs of copying the ELECTRONIC DATA from back-up or from originals of a previous generation. These costs will not include research and engineering nor any costs of recreating, gathering or assembling such ELECTRONIC DATA. If the media is not repaired, replaced or restored, the basis of valuation shall be the cost of the blank media. However, this Policy does not insure any amount pertaining to the value of such ELECTRONIC DATA to the Insured or any other party, even if such ELECTRONIC DATA cannot be recreated, gathered or assembled.

4. INFIDELITY EXCLUSION:
This Policy does not insure against loss or damage caused by, or resulting from, any fraudulent, dishonest, or criminal act(s) committed alone or in collusion with others by:

• a. Any employee, officer, director, partner, trustee or any other authorized representative of the Insured, whether or not such act(s) be committed during regular business hours; or
• b. Others to whom the property covered hereunder may by entrusted (carriers for hire excepted).

5. MICROORGANISM EXCLUSION:
This policy does not insure any loss, damage, claim, cost, expense or other sum directly or indirectly arising out of or relating to mold, mildew, fungus, spores or other microorganism of any type, nature, or description, including but not limited to any substance whose presence poses an actual or potential threat to human health.

This exclusion applies regardless whether there is:

a. any physical loss or damage to insured property;
b. any insured peril or cause, whether or not contributing concurrently or in any sequence;
c. any loss of use, occupancy, or functionality; or
d. any action required, including but not limited to repair, replacement, removal, cleanup, abatement, disposal, relocation, or steps taken to address medical or legal concerns.

This exclusion replaces and supersedes any provision in this policy that provides insurance in whole or in part, for these matters.

6. NUCLEAR EXCLUSION:
This Insurer shall not be liable for any loss or damage caused by or resulting from nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, and whether such loss be direct or indirect, proximate or remote, or be in whole or in part caused by, contributed to, or aggravated by the peril(s) insured against in this Policy; however, subject to the foregoing and all provisions of this Policy, direct loss by fire resulting from nuclear reaction or nuclear radiation or radioactive contamination is insured against by this Policy.

7. POLLUTION EXCLUSION:
Release, discharge, dispersal of “pollutants”. “Pollutants” means any solid, liquid, gaseous or thermal irritants, or contamination, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

8. TERRORISM EXCLUSION:
This policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:
A Terrorism:

I) Any “act of terrorism” as described below:
An activity, including the threat of an activity or any preparation for an activity, that causes either damage to property, or injury to persons and appears to be intended to:

1. intimidate or coerce a civilian population, or
2. disrupt any segment of an economy, or
3. influence the policy of a government by intimidation or coercion, or
4. affect the conduct of a government by destruction, assassination, kidnapping or hostage-taking, or
5. advance a political, religious or ideological cause.
II) Any act authorized by a governmental authority for the purpose of preventing, terminating, countering, or responding to any act or threat of terrorism or for the purpose of preventing or minimizing the consequences of any act or threat of terrorism.

9. WAR RISK AND GOVERNMENTAL AUTHORITY AND CIVIL COMMOTION EXCLUSION:
The Insurer shall not be liable for any loss caused directly or indirectly by;

a. Hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack: (a) by any government or sovereign power (de jure or de facto), or by any authority maintaining or using military, naval or air forces; or (b) by military, naval or air forces; or (c ) by an agent of any such government, power, authority or forces;
b. Any weapon of war employing atomic fission or radioactive force whether in time of peace or war;
c. Insurrection, rebellion, revolution, civil war, usurped power, or action taken by governmental authority in hindering, combating or defending against any such occurrence;
d. Seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority, or risks of contraband or illegal transportation or trade; or
e. Civil Commotion assuming the proportions of, or amounting to, a popular rising, riot, martial law.

SOLO Theatrical Insurance is for injuries to patrons and damage to venues, not performers. Most performers are contract and therefore not covered under SOLO. They would need to be employees.

Once you have purchased your insurance, you will receive an email with the cover note and policy wording, as well as an insurance certificate with fields to fill out. You can use it to generate insurance certificates for the parties below which ask you to be added to your policy as additional insureds or beneficiaries in the event of a claim:

• municipal governments, for the purpose of granting permits for the performance of plays
• owners or lessors of halls rented by the insured for the presentation of plays and rehearsals (except for long-term leases); and
• equipment rental companies (but only for the maintenance or use of equipment rented by the named insured).

For individuals, partnerships or corporations based in Québec wishing to get more information or to purchase coverage, please contact one of our brokers by:

Completing an online application: HERE

Emailing US at: MONoffice@frontrowinsurance.com

Calling us at 514-382-9625.

We cannot provide insurance through this portal for individuals or companies outside of Canada. If you're in the US and would like to insure a short-term ballet or dance event, you can get a quote and buy online here.

For assistance in the USA, please contact our office in Los Angeles.