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Coverage for a nonprofit performing arts insurance can include:
General Liability Directors and Officers Liability Employment Practices Liability Abuse and Molestation Special Events Professional and Cyber Property Equipment Breakdown Business Income Liquor Auto Umbrella Inland Marine Employee Benefits Liability Blanket Additional Insureds
Directors and Officers Liability
Employment Practices Liability
Abuse and Molestation
Professional and Cyber
Employee Benefits Liability
Blanket Additional Insureds
Nonprofit performing arts insurance claim examples
A water pipe bursts in a theatre, resulting in extensive damage to the set, props and wardrobe. 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 theatre. 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 community choir sued the organization alleging negligent hiring of the choir director who went overboard when he improperly touched their child during a practice rehearsal.
Inland Marine Claim:
During an overnight trip, the theatre group 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 theatre 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 & Officers Claim:
A donor made a large contribution to a theatre group. The funds were to be used primarily to expand and update the existing theatre. Instead, the theatre group, 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.
Equipment Breakdown Claim:
A local theatre suffered a broken shaft in a 400-hp centrifugal air conditioning compressor resulted in $36,000 of property damage and a shutdown of the theater’s operations for one day for business interruption of $28,000.
A minor attendee was served alcohol at an art gallery held in Tampa. After leaving the art gallery, he lost control of his vehicle and struck a telephone pole. The accident resulted in severe facial lacerations. He brought suit against the art gallery sponsor and the beer vendor for illegal service to a minor. The minor’s medical bills currently total $150,000.
Host Liquor Liability:
A guest was drinking heavily at an art gallery showing held in Jacksonville. While driving home, she lost control of her vehicle and hit a tractor-trailer head on. The driver of the truck suffered severe injuries, and brought suit against the host of the party for negligence in serving the intoxicated guest. The driver’s injuries currently total $300,000.