La Playa Arts & Entertainment: Insurance with Intelligence®

Specialist Insurance for Arts Organizations

La Playa: Insurance with Intelligence®

Non-Appearance and Cancellation Insurance

The definition of 'employee' in arts and entertainment can vary widely; it's important to consider insurance for freelancers, volunteers, tour managers... Your staff are your greatest asset - and you have a duty of care to keep them safe and well at work.

Does the thought of event cancellation or the non-appearance of a key performer bring out a cold sweat? With the increasingly unpredictable weather, terrorist threats and travel disruption, arts and entertainment companies are shoring themselves up with Cancellation Insurance and Cast and Crew Insurance (see also Cancellation Insurance for Artist Managers).

What is Cancellation Insurance?
Cancellation cover replaces lost revenue and reimburses expenditure incurred from an event which is necessarily and unavoidably postponed, abandoned, cancelled, curtailed or relocated in circumstances beyond your control.

What if...

  • A performer cancels due to illness or injury?
  • A band can't perform because of travel delays?
  • Adverse weather forces your event to be cancelled?
  • A terrorist attack occurs at the venue / in the vicinity?

With Non-Appearance and Cancellation Insurance you can protect income that depends on the event going ahead, or just cover specific costs such as venue hire, artist accommodation, travel and marketing. Even if it's a free event with no ticket revenue at stake, Cancellation Insurance can cover incurred expenditure.

What can be covered with Cancellation Insurance?

  • Your irrecoverable costs & expenses
  • Loss of revenue or net profit
  • Additional expenses to reduce a loss
  • Damages resulting from failure to vacate a venue for which you are legally liable under contract
  • Future event protection to minimise adverse effect on subsequent events in a series

You can also extend your Event Cancellation Insurance cover to include:

  • Terrorism
  • Enforced Reduced Attendance if a specific incident impacts on attendance

Pre-existing medical conditions, lack of interest/ticket sales, and financial insolvency of the parties are standard exclusions - and pencilled dates without contracts or letters of agreement cannot be claimed.

Question: Do you know your legal obligations regarding ticket refunds? Do you have an explicit policy in place - and is it appropriate?

Find out more about Cancellation cover and what to consider with our guide on How to...Avoid the Top 6 Cancellation Blunders.

How much does it cost?

Cancellation Insurance is highly flexible, and can be customised to your needs. You can choose both the sum insured and period of the policy, which could be 12 months, or just specific dates. You might opt to include only your soloists.

The premium is a rate percent of the total sum insured. This can range from 1.00% to 3.5% - depending on factors like artists' ages, cancellation loss history, level of income generation, and whether the event is indoors/outdoors.

Cancellation insurance

CASE STUDY

Adverse weather

An outdoor opera company cancelled two performances due to floods as neither audience nor orchestra could access the site since all approach roads were under water.

Non appearance

An opera singer fell ill with laryngitis days before a European festival appearance. A last minute replacement was found, contracted and travelled in time to make rehearsals and the performance.

Travel delays

A leading orchestra arrived at London Heathrow prior to an international tour to find the airport closed due to a strike. Cancellation of the tour would have cost GBP 35,000 and so insurers paid for the orchestra to be transported to London Gatwick, where a private plane was chartered to fly them to the first country of the tour.

Terrorism

A US string quartet was due to play at London's Wigmore Hall three days after 9/11 and with all flights out of New York grounded they were unable to travel, forcing cancellation of the concert.

Cancellation insurance case study

We can help with insuring...

Property: computers, audio visual equipment, offices

Consequential Loss: protects income streams during physical and technological disruptions (fire, flood, power & telecommunications failure)

General Liability: cover for compensation payments arising from damage to third party property or personal injury

Workers' Compensation: for injury and illness to employees and freelancers

Errors & Omissions: helping to defend you against allegations of libel, slander, infringement of copyright, breach of confidentiality

Directors' & Officers' Liability: protecting decision-makers against alleged mismanagement of the organization

Travel & Touring: trip cancellation, medical expenses, passport replacement, loss of baggage

Specialist Cancellation Insurance: cover against financial loss as a result of cancellation, abandonment, postponement or re-scheduling of an event. As an artist manager, you can opt to insure your highest earning artists/authors with a “friends and family” type policy – entirely flexible and designed to cover areas where your income is most vulnerable - without breaking the bank. Some problems are worth losing sleep over. We believe insurance isn’t one of them. More >

We understand you so well, we'll complete the form for you if you prefer! Let's talk...

Download: Arts & Entertainment Brochure

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What's Covered?

Business Interruption Insurance
Business Interruption Insurance
Business Protection
Business Protection
Cancellation and Non-Appearance
Cancellation and Non-Appearance
Performing Arts Insurance
Performing Arts Insurance
Cyber Risks Insurance
Cyber Risks Insurance
Directors & Officers Liability
Directors & Officers Liability
Employers' Liability
Employers' Liability
Employment Practices Liability
Employment Practices Liability
Key Person Insurance
Key Person Insurance
Legal Expenses
Legal Expenses
Motor Insurance
Motor Insurance
Pensions and Benefits
Pensions and Benefits
Performing Arts Portfolio
Performing Arts Portfolio
Professional Indemnity
Professional Indemnity
Property & Equipment
Property & Equipment
Public & Products Liability
Public & Products Liability
Travel & Personal Accident
Travel & Personal Accident
Trustee Liability
Trustee Liability

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Specialist & Independent

The arts present a very specific set of risk exposures – and now your digital and online risks can expose you globally. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your organization.

Our policies can help streamline costs, and we’ll always help you stay ahead of the game in managing risk. The show must always go on - insurance isn’t just about processing a claim, it’s about thinking laterally to solve challenges and problems fast.

At La Playa, we’re passionate about the arts and creative industries – many of us are practitioners and active consumers; in fact, La Playa founded the first ever corporate art collective!

Advice You Can Trust

…from an expert who understands you

  • Specialist insurance for entertainment and the arts
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across US and UK
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