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Orchestra Violin

Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for an orchestra.

 

Get a quote for a nonprofit orchestra by completing an application.

 

Coverage for a nonprofit orchestra can include:

General Liability

Directors and Officers Liability

Employment Practices Liability

Abuse and Molestation

Special Events

Professional Liability

Property

Equipment Breakdown

Business Income

Auto

Umbrella

Inland Marine

Employee Benefits Liability

Blanket Additional Insureds

Cyber Liability

 

Nonprofit orchestra claim examples

Property Claim:
A water pipe bursts in a theater, resulting in extensive damage to the set. In addition, the incident causes the cancellation of two performances, forcing management to refund two nights’ box office receipts. The organization suffers a loss of $50,000 for property damage and business income.

General Liability Claim:
A patron attending a classical performance slipped and fell in the bathroom of the theater. The patron broke his arm. The patron filed a lawsuit against the organization for pain and suffering, medical bills and rehabilitation expenses.

Abuse and Molestation Claim:
Parents of a child in the nonprofit orchestra sued the organization alleging negligent hiring of the orchestra director who went overboard when he improperly touched their child during a practice rehearsal.

Inland Marine Claim:
During an overnight trip, the orchestra locked its equipment in the van and spent the night at a hotel. Later that night, someone used a crowbar to pry open the van and stole all the orchestra equipment. The next morning the director noticed that the equipment was missing and notified the police. A total of $9,700 of equipment was stolen.

Directors and Officers Claim:
A donor made a large contribution to an orchesta. The funds were to be used primarily to expand purchase new musical equipment. Instead, the orchestra, through its executive director and board of trustees, decided to use the funds to take a trip to see a Broadway musical. The donor filed suit, alleging misappropriation of funds. The damages included return of the full contribution plus interest. As some of the money was already spent, the nonprofit would be financially unable to return the entire donation.

 

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