LIGHTING AND SOUND ENGINEERS
Is your business focused on producing live events? Or is your business mainly setting up lights and monitors? This page will help let you know what types of coverages are available to you. Remember you can reach out to us anytime.
INSURANCE FOR AUDIO/VISUAL CONTRACTORS, LIGHTING DESIGNERS, and STAGE CRAFTERS
It's different than your standard business policy, and it should be.
Most standard insurance companies are geared towards main street type businesses, like t shirt stores and ice cream shops. ‘Standard, or ‘typical’ businesses are easier to insure due to the fact that they are predictable and calculable. This is precisely why most standard companies do not insure those businesses that fall outside of their comfort zone. Often times, these ‘standard’ insurance companies will call anything outside their comfort zone, ineligible for coverage. Such decisions could be disastrous for your business. Although we do business with many standard carriers, Kelly Insurance Group recognizes this issue and is transparent and forthright about the answer.
If your staging or lighting company still purchases ‘small business’ insurance, more likely than not your insurance company may not know what they are insuring. If the insurance company does not know what they are insuring, do you think the coverage is correct?
How can Kelly Insurance Group help?
Whether you are a lighting designer, sound engineer, staging company, or any other entertainment related business operation, Kelly Insurance Group will find the best rates for you. Do you have an impossible time getting certificates of insurance? Kelly Insurance Group can fix that problem. All of our customers have the ability to generate their own certificates of insurance.
COVERAGES to CONSIDER
The Special Property Coverage Form provides replacement cost coverage (unless another valuation method has been selected) on Business Personal Property against risks of direct physical loss or damage not otherwise excluded. The Business Personal Property definition may include the following as Covered Property.
- Personal Property of Others held by the Insured but belonging in whole or in part to others.
- Tools and Equipment owned by insured’s employees used in the insured’s operations.
- Tenant Improvements and Betterments that are made part of a non-owned building the insured occupies but can’t legally remove and were made or acquired at the insured’s expense exclusive of rent payments.
- Leased personal property which the insured has a contractual responsibility to insure, except as provided by Personal Property of Others.
Increased limits are available for Personal Property of Others and Tenants Improvements and Betterments.