THEATRE/PERFORMING ARTS INSURANCE

 

The World Events Insurance Theatre/Performing Arts liability program has been structured to meet the needs of organizations big and small. We have specifically tailored programs in place that offer the coverage you need to keep your business protected. Our programs are available for one-day special events, annual policies, and anything in between..

 

Coverage Details

 

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. 

Coverages Can Include:

 

  • General Liability

  • Property

  • Equipment Breakdown

  • Business Income

  • Special Events

  • Professional Liability

 

  • Abuse and Molestation

  • Auto

  • Umbrella

  • Inland Marine

  • Cyber Liability

  • Blanket Additional Insureds

 

  • Directors and Officers Liability

  • Employment Practices Liability

  • Employee Benefits Liability

 

PERFORMING ARTS CLAIM EXAMPLES:

 

  • Property Claim: 
    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 and 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.

 

Additional Tools

 

FAQ's

Request a Certificate

Risk Management

Workers Comp

Equipment Coverage

2010 - present

2010 - present

How to Apply?

 

We offer three insurance programs for Performing Arts. Read below to determine if one policy might be better for you than the other.

Program A (Individual Performer)

If either of these characteristics describe what you need, apply for Program A.

  1. Individual Performer

  2. Standard policy offering  $1M per-occurrence with Higher Aggregate available.

  3. Optional Coverage Available: Equipment, Excess Liability, Increased Aggregate Limits.

Starting at $50.00 (Short Term Policies 1-5 days) Annual policies available

Please note that a $25.00 administrative fee will be added to all policies.
Program B (Short-Term Production)

If either of these characteristics describe what you need, apply for Program B.

  1. Theatre Group.

  2. Producing event for limited number of performances.

  3. Additional insureds required.

Starting at $175.00

Program C (Performing Arts Annual Coverage)

If you would like a more detailed policy, apply for Program C.

  1. You are a Group, Organization or Center.

  2. Annual coverage is needed.

  3. Policy comes standard with Abuse & Molestation

  4. Professional Liability in the amount of per-occurrence limit.

  5. Optional coverage available: Business Property, Business Income & Extra Expense, Equipment Breakdown.

Starting at $397.00

Get Started

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