Posted:OK, here's a new hurdle we've been presented with for public performances; we've got the fire marshall thing down, we've got the liability insurance thing covered, BUT:
We've been contracted to perform at OzzFest here in Dallas; the folks that have contracted us are sponsoring the Camel Pavillion, but are actually a subsidiary of Clear Channel Communications. The venue that is sponsoring OzzFest is House of Blues, Inc. House of Blues, Inc. is trying to require us to not only have insurance for liability, which we have, but insurance on our equipment (poi, staffs, etc.) Insurance brokers laugh their ***s off at the thought of insuring our equipment because the cost of replacement is lower than their deductible. We've tried explaining this to the HOB rep, but something's not making the translation. It looks like we'll miss out on performing at OzzFest just because we can't show insurance that covers the loss of our spinning equipment - grrr!!! Any advice?
Posted:I am sure if I take something from home (normally stored at home) and take it to a beach or anywhere and it is stolen or goes missing then house insurance covers it? Of course the insurance will have an excess to pay so it is not always worth claiming, or you could loose a "no claims" bonus.
However even if that is the case it won't really help get new gear to you hours before event, nor cover you for any losses incurred by being unable to perform.
I believe the event people are worried in case you loose all your equipment you would be unable to perform on the night. A bit like a band loosing all their musical instruments the night before the show.
Because they are promoting you and if you do not perform, maybe they will make claims against you for their losses due to you not being able to perform (from no gear). These losses may not be covered for in their insurance??. Depends on what contract you are going to have with them. You would need to have insurance against that if that is their policy, and it is included in the contract.
Posted:Valid points, Malcolm. Actually, we got it all worked out, and had a wonderful time there. However, it is another learning lesson in our progress as public performers. Had we taken our lighting & sound system, the replacement costs would indeed have been another story. Thanks!