Help with Public Liability

We need to find a comapny who will provide Public Liability Insurance at a reasonable rate, we've been quoted $1200 which for a small outfit like ours is too expenisive. Can anyone help with any contacts

$1,200 seems fair.

Our theatre company just renewed our insurance for 2005. We paid $1,400 for both Public Liability and Voulntary Workers Personal Accident Insurance.

Consider the cost this way: it is a necessary expense, and if a total of 1,200 people attend your shows over the next 12 months, then the cost is just $1 per bum-on seat. What I'm saying is factor your running costs into ticket prices.

Sorry, I can't help with anything cheaper.

Cheers,
Russell

Hi Russell.

If you live in Victoria or Tasmania, it is likely that you could get the cover you mention above for almost $1000 less through -

www.communityinsurance.com.au

Cheers,

Michael Jeffery.

Thanks Michael,

Yep! I looked at the "Community Insurance" site late last year, when our insurance renewal was coming up. My interpretation is that their cover is for a particular event (ie: festival, parade, etc...) and is not really specific to the Community Theatre applications, such as most users of this site might need.

Other contributors have suggested "Duck for Cover", which I aslo explored. That seems specific to individual (free-lance) performers.

Our Theatre Company insurance is through the reliable Association of Comminity Theatre Inc -- most amateur theatre companies seem to know of that source.

Separately, (and this is aimed not only at Endeavour Theatre, but at the many who post the same enquiry on many of the Fourms on this site!) there has been some discussion on this very subject in other forums in this site (see: "Billboard"). Why do people insist on multiple-posts? Is it the "if you throw enough mud, some of it sticks principle"? It only clutters, otherwise good, bulletin boards.

Thanks again Michael, and Cheers,

Russell

Hi Endeavour Theatre,

I see that you've invited comment on this matter in two locations in this internet site -- Why do people insist on multiple-posts? Is it the "if you throw enough mud, some of it sticks principle"? It only clutters, otherwise good, bulletin boards.

That said, I have been treasurer of our (Melbourne-based) theatre company for a couple of years. Whilst I do not claim to have all the answers, I am happy to share my experience with you if you need help planning your budgets. There are always fixed expenses (such as the insurance) which must be addressed when planning income and expenses.

Cheers,

Russell

Actually, I have taken quite a considerable look at Community Insurance, and while they do offer 'once-off' policies for parades, street parties etc, they also offer insurance for theatre companies year-round. The online form has two choices - one is for the street party/parade/community event and one is for companies and performances. If you just want insurance for a season, then you can choose the street party etc. policy, although the policy assumes that you are going to have a huge audience and hikes the price up considerably. Whereas if you choose the theatre company/year-round policy it is much cheaper. Be careful when getting a quote though, as apparently the site reverts to a 'default' quote price on occassion (I actually have had this happen to me, and this is how it was explained to me by one of the Community Insurance people... I think it reverts during non-financial new year, because that's when you can buy the policy...although it appears that you can buy the policy year round anyway...which is why you need to be careful when getting a quote).

Thanks "na",

As you have learned, we've paid our insurance for this year; but, I'll remind our committee to explore the Community Insurance option more thoroughly when next insurance is due.

Also, have you noticed that this same discussion (with different threads) is in the BILLBOARD part of this site?

Cheers,
Russell

Please help, I have a small face-painting business that is expanding and I find that I am having to sub-contract work to other face-painters, some of these other painters are reluctant to get Public Liability Insurance because of the costs involved. I get mine through Duck for Cover and it has to be renewed every year in August for approx $280. Do you know of any other Insurers that provide these services for a shorter period of time or lower costs?
Do these insurers including Duck for Cover, cover me for Work Cover (Professional Indemnity)?

I would very much appreciate your suggestions.

Kind regards

Michelle Williams

Duck for Cover is not Work Cover. It is cover for public liability only - they will only pay for any costs incurred due to hurting a member of the public. It will not cover you or any of your employees if they get hurt. Try looking at Community Insurance, www.communityinsurance.com.au. If not, the only other suggestion I have is to go to 'normal' insurance providers. Expect higher costs with them though.

Hi Michelle.

The excellent www.communityinsurance.com.au does not, from what they have told me, cover employees. They do, however cover volunteers.

Cheers,

Michael Jeffery.

That's strange, because I specifically asked them if they included employees, and they told me that they did.

That's odd, na, as they told me that they didn't. Perhaps their position has changed since October 2003?

The information was provided to me by Grantley Fearn, Account Broker. May I ask please who briefed you?

Cheers,

Michael Jeffery.

Hello Russell

I consider myself "told off" for 'multiple postings', done purely to ensure that I get the answer I need. I suppose it's a bit like advertising, I try many different ways and avenues.
Thanks for your help anyway, we're trying the Allianz/QBE Community Insurance scheme but have yet to receive a quote, if it's good I'll post it here, just the once I promise..

Alan

Endeavour Theatre wrote:
>
> Hello Russell
>
> I consider myself "told off" for 'multiple postings', done
> purely to ensure that I get the answer I need. I suppose it's
> a bit like advertising, I try many different ways and avenues.



It's a common habit, mainly made by people who are unfamiliar with this site.
'Different ways and avenues' would be like advertising here, in the paper, on a mailing list, via posters and flyers...etc.

Posting several times on every board here is more like ringing someone up and then ringing them back to confirm they got the message and then ringing them back to check they got the confirmation and then reminding them by ringing them up again...


Cheers,
Craig

I have asked Grantley a number of questions over a period of two years (2003 - 2004), and I do believe that is what he told me. Although during the conversations, it was very hard to distinguish between what he was saying in legalese and what he actually meant.

Can anyone help with public liability for a Youth Production.
We are a small group in a small town and our insurance is due but $1,6000 is not an option.
We hold one production a year with around 40 kids from ages 10 to 18 years Any suggestions ASAP.
We are Incorporated.

Thanks Sandra Bill

Try the previously mentioned Community Insurance. I'm afraid most policies are going to be around the price you were quoted.

$1400 -$1700 for one year for Public Liability is about the price you will be quoted whichever Insurance company you 'choose'

You don't say which state you are in, the bulk insurance scheme run by the Association of Community Theatre (ACT) in NSW is about the cheapest and that's $1400, which does include voluntary workers as well, From memory the Public Liability bit is about 70% of that figure, but you have to be a member of the ACT or an affiliated organisation to participate.

Hello all.

Sorry if I'm sounding like a broken record, but Norma, you are wrong when you write -

$1400 -$1700 for one year for Public Liability is about the price you will be quoted whichever Insurance company you 'choose'

Cover through

www.communityinsurance.com.au

is about $1000 less than the figures you mention.

Cheers,

Michael Jeffery.

The Association of Community Theatre Inc
Insurance rates 2005;-
Public Liability $1030
VWPA $ 430 [16-85yo]
Money ($3000] $ 167

The package is $1400 - I have yet to find out why the amounts donÂ’t add up?
This is from December to December each year!

One main hiccup Micheal is, we don't get a look in here, on the WA side of the rabbit proof fence!

From the Victorian side website;-

PARTICIPATION
Participation of Not for Profit Organisations in the Scheme is absolutely conditional upon the Municipal Council, in which your Not for Profit Organisation operates at and from and has its official address, must be a Member of the Scheme. Presently 78 of the 79 Victorian Municipal Councils and all 29 Tasmanian Municipal Councils are Members of the Scheme. The only Victorian Municipal Council not in the Scheme is City of Greater Dandenong.

It is therefore material to our acceptance of You into the Scheme that You confirm the name of the Municipal Council in which your organisation operates out of, and in which your organisation resides (its official address).

Your Not for Profit Organisation becomes an additional named insured under your Municipal CouncilÂ’s Policy. If more than one Insured is covered for the same occurrence by this Insurance, the total aggregate liability of the Insurers for all claims arising directly or indirectly from one source or original cause shall not exceed the total of $100 million. The limit will be shared in the same proportion as each of the respective insuredÂ’s limit of indemnity relates to the combined total of all limits that would otherwise have been available to each insured.

So untill they cross the boarder, we have to use the 'ACT' Package!
Chookas

Hi Hylas.

You're dead right - www.communityinsurance.com.au is not available in every state. I think that point's been made in previous threads.

Sandra Bill, above, didn't seem to mention where she/her lot are based, so I thought it might be handy for her to know about the above mentioned website.

If Victorian and Tassie councils can get an affordable and effective policy up, perhaps councils elsewhere will follow suit?

Cheers,

Michael.

Hi Hylas.

You're dead right - www.communityinsurance.com.au is not available in every state. I think that point's been made in previous threads.

Sandra Bill, above, didn't seem to mention where she/her lot are based, so I thought it might be handy for her to know about the above mentioned website.

If Victorian and Tassie councils can get an affordable and effective policy up, perhaps councils elsewhere will follow suit?

Cheers,

Michael.

Sorry Micheal I may have misunderstood, your comment to Norma!
As I believe her comments were from a WA piont of view!
I have since aproached our City Council here, to see if they can be in it, so us lot can get coverage over here!
chokas

Author: Michael Jeffery. (202.67.65.---)
Date: 15-03-05 14:44

Hello all.

Sorry if I'm sounding like a broken record, but Norma, you are wrong when you write -

$1400 -$1700 for one year for Public Liability is about the price you will be quoted whichever Insurance company you 'choose'

Cover through

http://www.communityinsurance.com.au

is about $1000 less than the figures you mention.

Cheers,

Michael Jeffery.

chookas
Hylas