Performing Arts
Insurance for the Performing Arts is the solution for various organizations including dance and music groups, travel theater groups, orchestras and related classes of business. Coverage can include General Liability, Property, Liquor liability, Inland Marine, Abuse and Molestation, Directors & Officers, Employment Practices Liability, Auto and Umbrella.
Have a question? Contact us!
Insurance policy highlights can include:
- No general liability deductible
- General liability coverage included for volunteers
- Abuse and molestation coverage available
- No designated premises limitation
- Full prior acts coverage
- Hired and non-owned auto coverage available in most states
- Inland marine available on both a blanket and scheduled basis
- Customize your policy by adding employee dishonesty, money and securities, and other coverage options
Coverages can include:
- General liability
- Property
- Directors and officers liability
- Employment practices liability
- Abuse and molestation
- Liquor
- Umbrella
Additional coverages available:
- Special events
- Professional liability
- Business income
- Inland marine
- Auto
- Blanket additional insureds
Markets
Claim Examples
General Liability
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.
Directors and Officers
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.
Abuse and Molestation
Parents of a child in the community choir sued the organization alleging negligent hiring of the choir director who improperly touched their child during a practice rehearsal.
Liquor Liability
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.
Inland Marine
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.
Equipment Breakdown
A local theater suffered a broken shaft in a 400 horsepower centrifugal air conditioning compressor. This resulted in $36,000 in property damage and $28,000 in business interruption, as the theater had to shut down operations for one day.
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.