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The Magic Cafe Forum Index » » You are getting sleepy...very sleepy... » » How do you get insured? How does insurance work? (0 Likes) Printer Friendly Version

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RSD
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Toronto, Ontario
534 Posts

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Do you fit this description? Let HKMB Insure Your Performance!
Performer: such as bingo caller, busker, caricature artist, cartoon artist,
clown, DJ, face painter, juggler, magician, musician, MC, pavement artist,
plate spinner, poet, living statue, stilt walker, or trivia host.

Whose act does NOT involve: hypnotism, use of fire/naked flame, acrobatic
or aerial performance, animals (except birds or rabbits), tattooing, body
piercing or sword swallowing

Why should you buy this coverage?
• To meet the insurance requirements of event organizers that book your
act.
• So that you can take comfort in knowing you are covered should your
act result in any injuries to third parties or property.
• Your claims will be handled efficiently via HKMB’s 24 hour claims hotline.
You can have confidence in your suppliers: HKMB has been serving the entertainment
industry for over 15 years.

K&K Insurance Co., the program insurer, is an established, reputable
company that focuses exclusively on risks in North America’s sports, leisure and
entertainment industries. For more information about K&K visit their
website at http://www.kandkcanada.com

Age: over 18 years
Residency: Canadian
Gross income from performing activities: less than $100,000.

If so, you are probably eligible to purchase General Liability coverage of $2,000,000 at an annual cost of only $425.00.

Deductible: $1000

Includes:Products and Completed Operations; Contingent Employer’s Liability;
Employees as Additional Insureds; Cross Liability/Severability of Insureds;
Incidental Medical Malpractice; Occurence Property Damage; Personal
Injury; Blanket Contractual; Broad Form Property Damage; Owners and
Contractors Protective; Medical Payments; Attached Machinery

Excludes:Abuse/molestation/harassment, fireworks, asbestos, data, terrorism
Limited fungi and fungal derivatives coverage.

Premium $325.00
Administrative $100.00
Handling Fee
Total $425.00 (Applicable Taxes not included)
Coverage under this program starts on the day the insurance is purchased and extends for 12 months.
The coverage only applies to Canada.

APPLY ONLINE
hkmb.com/performersprogram
or contact:

Andrea Cowan, RIB
Account Associate
Entertainment Practice
HKMB International Insurance Brokers
595 Bay Street, Suite 900, Box 81
Toronto, ON M5G 2E3
Phone: 416-597-0008 Ext. 413
Fax: 416-597-0957
E-mail: andrea.cowan@hkmb.com
http://www.hkmb.com


Note from poster RSD: This is their basic program. If you don't meet the criteria listed exactly (ie, fire, hypnosis, income $100,000 +, they will cover you. It just wont be the exact same policy with the same rates. However, I don't foresee it being more than $1000. I have given all the information I know. For more info contact them directly.
hypn
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The insurance exclusion does not make a lot of sense. They do not insure hypnotists as they might have had a claim before ?. Is the idea not that they share the risk ?.

I think it has more to do with the difficulty in proving that the person did not suffer ill effects from the show. audience member could relate any change in behaviour to the hypnotist only because they believe hypnosis is so powerful.

If you watch a movie and wake up the next day with a headache, you don't blame the movie for the ill effects but if it was a hypnosis show and you volunteered the immediate assumption would be that the hypnotist was involved.

The only insurance I have ever received was personal liability insurance which most venue's carry irrespective. Imagine if people found out that they could claim against hypnotists ?
Andre The Hilarious Hypnotist
RSD
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Toronto, Ontario
534 Posts

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Quote:
On 2007-09-21 15:15, hypn wrote:
The insurance exclusion does not make a lot of sense.

The only insurance I have ever received was personal liability insurance which most venue's carry irrespective.


Perhaps you didn't read my entire posting. They will insure Hypnotists but not under that basic performers policy. Each policy will be outside the exclusions will be drafted on its own merit.

Every venue I have ever worked has required my own insurance. Any proffessional venue would require that. The only place that doesn't is small bars, nightclubs...etc and banquet halls where the clients have rented the room, hire you. Legally speaking, doing any kind of business without insurance is just plain dumb. Especially, when your interacting with the public, and you have the appearance of star power and wealth. I only posted this because working pros were getting the short end of the stick from their own policies. This is not an arguement of whether or not insurance is good or bad or even needed. Its here for those who chose to insure themselves.
ns
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Canada
237 Posts

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Hi there

I called this Andrea Cowan and she told me they didn't have insurance that would cover stage hypnotists. She said she would look into it and call me back.

Here's to hoping
ns
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Canada
237 Posts

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Hi all

I called HKMB's main office today. I told them I wanted stage hypnotist insurance. They said they carried it and that I should call Andrea Cowan and she would give me the details. I told them she told me they couldn't cover a hypnotist. The lady told me this wasn't right and offered to call Andrea Cowan for me and call me back. I thanked her and within 10 minutes she called back and informed me that they do not in fact cover hypnotists.

She gave me a few other names to contact but I'm left empty handed.

Anyone have any leads for Canadian Insurance for hypnotists?
RSD
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Toronto, Ontario
534 Posts

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Wow, what a complete turn around from the info I got last week. I called to verify - I got the same response.

I have no idea what happened. I'm sure we can all pool our resources and hunt down a good deal. Keep this topic alive.
ns
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Canada
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I called the names of the people she recommended. None of them came through either... I'll keep looking
MagicalPirate
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Shamokin, PA
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If you really want to reduce the liability issue run your business through a corporation that manages an LLC. They don't sue LLC's due to not being able to collect their damages. Once they book you throug the LLC they have to go after the LLC as that is what was hired.

All that is ever carried is personal liability and the venues expect you to carry your own. They don't want to carry the injuries obtained during your performance. Go to a fair without insurance and have an incident and you'll find yourself not working in the fair industry anymore. They're close knit and they talk. There isn't a policy that protects against claims of a mental nature. Besides, no one has ever proven that there is any basis for such claims. After all there is no such thing as hypnosis Smile

Martin Smile
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drmagic
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Quote:
On 2007-09-29 01:28, MagicalPirate wrote:
If you really want to reduce the liability issue run your business through a corporation that manages an LLC. They don't sue LLC's due to not being able to collect their damages. Once they book you throug the LLC they have to go after the LLC as that is what was hired.


Martin Smile


This is excellent advice Martin. A 3 million dollar insurance policy for $190 a year - I wish I could get homeowner's coverage at that rate.
RSD
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Toronto, Ontario
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Anyone get information on Liability Insurance for Canadians performing in Canada? Magicalpirate's idea is great, but most bigger venues require proof of insurance with the venue listed as an additional insured.
mindpunisher
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In the UK if you don't have insurance what most venues don't know (IE small bars etc) is that they will be liable not the hypnotist. The lawyers will go after them. In the mid 90s a theatre in glasgow was sued for £90,000 because the hypnotist had no insurance. Someone fell off the stage and broke a hip. Over here you will not get insurance for anyone in trance since they are more likely to hurt themselves due to neglegence from the hypnotist.

That incedent along with dozens of bad hypnotists flooding the market and further rising incedents stopped insurance completely. It also stopped most of the venue's allowing hypnotists to perform.

A second high profile incedent where a hypnotist was successfully sued for neglegence when a woman claimed she had suicidal thoughts after being regressed to an unpleasant memory put the last nail in the coffin.

The few bars that allow hypnotists now don't realise the risk they are taking. Nor do many of the "new wave" of hypnotists that are budding over here so they say? I haven't seen many.
RSD
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Toronto, Ontario
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But isn't that the whole point of insurance? Who is going to take insurance in an area where you not exposed to liability?
Photo-Wizard
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Manchester
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That's funny MindPunisher..

You can get insurance to cover whilst people are in Trance on stage and it covers both on a Professional INdemnity and LIability Level.

Equity members over 25 who join the Stage Hypnotists Commitee can get Insurance from their insurers that covers you on all levels.

Also FESH members can get Insurance (cheaper than the Equity Insurance) and also there are one or two independent companies who will cover Stage Hypnotists in UK if you search hard enough (as I and my colleagues have done)

And when you've got the insurance (as I have) its a great selling point to get shows over other Hypnotists (as very few in UK have insurance as it costs between £500 to £1K a year for cover.
templemagic
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Sunderland, North-East England
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Hi everyone..

Just wanted to drop my two cents in on this matter. As Photo Wizard (a good friend of mine) says it is perfectly possible now to get insurance in the UK and it does cover trance.

It's not the cheapest investment but is essential if you take your career as a hypnotist sensibly.

TM
http://www.ComedyHypnosis.co.uk
ROBERT TEMPLE
"The Power to Amaze"

robert@roberttemple.co.uk
http://www.roberttemple.co.uk
Photo-Wizard
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Manchester
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And its easy to get if your a member of a Reputable Professional Membership Body for Stage Hypnotists and Mind Therapists..

Smiles

The Photo Wizard
RobertTemple
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Newcastle, UK
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Exactly Photo Wizard...like you could join these guys:

http://www.facebook.com/photo.php?pid=22......73582805
RSD
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Toronto, Ontario
534 Posts

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Thanks...great help for the Brits.

But, there has got to be someone who insures in Canada.
mindpunisher
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Quote:
On 2009-03-07 11:16, Photo-Wizard wrote:
That's funny MindPunisher..

You can get insurance to cover whilst people are in Trance on stage and it covers both on a Professional INdemnity and LIability Level.

Equity members over 25 who join the Stage Hypnotists Commitee can get Insurance from their insurers that covers you on all levels.

Also FESH members can get Insurance (cheaper than the Equity Insurance) and also there are one or two independent companies who will cover Stage Hypnotists in UK if you search hard enough (as I and my colleagues have done)

And when you've got the insurance (as I have) its a great selling point to get shows over other Hypnotists (as very few in UK have insurance as it costs between £500 to £1K a year for cover.


Well that's good news. Last time I spoke to equity it wasn't available. Was a while ago. I used to get insured through them.
Decomposed
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Eternal Order
High Desert
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Quote:
On 2007-09-29 01:28, MagicalPirate wrote:
If you really want to reduce the liability issue run your business through a corporation that manages an LLC. They don't sue LLC's due to not being able to collect their damages. Once they book you throug the LLC they have to go after the LLC as that is what was hired.

All that is ever carried is personal liability and the venues expect you to carry your own. They don't want to carry the injuries obtained during your performance. Go to a fair without insurance and have an incident and you'll find yourself not working in the fair industry anymore. They're close knit and they talk. There isn't a policy that protects against claims of a mental nature. Besides, no one has ever proven that there is any basis for such claims. After all there is no such thing as hypnosis Smile

Martin Smile


Best post I've ever seen on hypnosis insurance. Personal liability should be picked up on home owner's policy. Or just park your car close to where you are performing. Smile

Candin
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