Who should be listed as a Named Insured?
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"
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
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.
When does my coverage go in to effect?
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.
What should be included in the budget
This should be the total gross production budget. (Including but not limited to the cast & crew salaries; theatre rental; sets/props/wardrobe)
What is the maximum number of days that can be covered?
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.
What is included in optional Theatrical Property Pack?
Theatrical Property Pack: $50.
|Theatrical Property (Owned / Rented)
This is coverage for owned and rented theatrical property and equipment, including:
|Actors, Employees & Volunteers Property Extension||$10,000||$500|
|*Furs, Jewellery, Antiques, Art - Included in the Theatrical Property limit.||Up to $5,000*||$500|
|Money & Securities (Broad Form; Inside/Outside)
What is Commercial General Liability?
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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VIDEOS: how to add an additional insured to your policy
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?
My performance type is not listed?
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.
I’m holding a virtual event. Do I still need event insurance?
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.
I’m holding a general event that is not a dance, musical, theatrical or performance event. Which policy should I purchase?
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)
How do I make policy changes once my policy is purchased?
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.
How can I review the full policy coverage terms?
Click the below links to review a copy of the full policy forms: