• (not responsible for the talent) only handles the production such as: booking recording sessions, making of CD’s and marketing/disbursement of the talent’s music through different mediums such as CD’s, MPE wave files, iTunes, etc. – usually rated as an office exposure. Highly recommend this operation acquire a music E&O policy for “copyright infringement for sound recording and music videos”.
• Note: Music Videos are considered film insurance and need to be insured separately. Generally a label will sub-contract with a film production company. We can offer the film production company film insurance on an annual production or short-term production basis. Rating is based on the filming budget or the GPC = Gross Production Costs.

• Accounting Functions – (not responsible for insurance on the talent – only handles their accounting) – usually rated an office exposure.

• (not responsible for insurance on the talent and not responsible for the signing of the venue contract – only “books gigs/events”) – usually rated as an office exposure

The term “Talent Managers” is a very ambigious label used in the entertainment industry. For the entertainment “insurance” world, we try to define the risks as follows:

• PROP for Office contents – Domestic (USA)
• CGL – Domestic (USA)
• CGL – Foreign
• Inland marine for owned/rented equipment (not typical, but can be acquired-if needed) – (Territory: Worldwide)
• Non-Owned/Hired Auto (NOHA) Liablity and Physical Damage – Domestic (USA)
• NOHA Liability – Foreign – (NOHA Physical damage would be required to be purchsed in the specific foreign country)
• WC – Domestic (USA)
• WC – Foreign
• UMB for higher liability limits (Territory: Worldwide)
• E&O Insurance (not typical, but can be acquired – if needed) – (Territory: Worldwide)
• Event Cancellation Only Insurance
• Non-Appearance Only Insurance
• Event Cancellation and Non-Appearance combined Insurance
• Weather Insurance (Rain, Snow, Wind)

• (not responsible for insurance on the talent) – only manages their bookings and schedules – usually rated as an office exposure.

• (is responsible for the insurance on the talent) – CGL policy will include the office exposure and “traveling performers”. This class can include talent such as bands, and performers at special events, such as corporate events, weddings, birthday parties, etc. Performers can be magicians, impersonators, jugglers, stilt walkers, models, etc. If any of the acts have higher exposures such as: animals in their act, fire included in their act, hypnotists – these performers would need to get their own insurance as they are typically excluded from the policies I can handle. There are websites that I refer acts to: https://www.specialtyinsuranceagency.com/performer-insurance.html. Animal acts are problematic and I have referred them to: https://www.shahinianinsurance.com/programs.htm. Horses: https://www.eqgroup.com/spclevent.htm.

• if not including the band’s insurance – then it rated only as office exposure (although many band managers travel with the bands they manage and they do leave the USA – so worldwide CGL coverage may be required). Band Managers have also have been responsible to go to a venue to be sure setup is done properly for the lighting/sound and making sure that the roadie crews set up the musical equipment properly and set up the needs required in the dressing room for the ”Band/Artists”.
• if responsible for placing the insurance for the band the CGL will be written separately in the the band/artist’s name as a “traveling performer” class code and if outside USA tours are done – worldwide CGL coverage will be required.
• Musical Equipment coverage can be included on the bands insurance policy.
• WC is also generally written on the band members (can be excluded) and their regular crew or sub-contracted crew.

• (responsible for the logistics of a tour to help organize the administration of appearances of a musical group (band) or artists at a sequence of venues). This may involve working with booking agencies and/or concert promoters. Generally tour managers are freelancers working on a tour-by-tour basis. May also need CGL worldwide insurance.

• (responsible for the “spectator liability” at the event). The concert promoters are the ones that generally sign the venue contract. They provide primary spectator liability insurance for the concert. CGL rating is usually based on “number of events or total admissions for the year“ or we offer “one-offs” special event policies for just the single event/concert.

• (only reponsible for the coordinating of the event and hooking up sub-contractors to do their specific job, such as: lighting, sound, staging, catering, bartending, décor, etc. The sub-contractors are required to have their own CGL/WC in place and “MUST” provide a certificate of insurance naming the “Event Producer” as an additional insured.

• (responsible for the “spectator liability” at the event). Usually event promoters sign the venue contract as they are the ones “hosting the event” for themselves…or… they offer the primary spectator liability insurance via contract for their “Event Client”). CGL annual rating is usually based on “number of events or “total admissions for the year” or we offer “one-offs” special event policies for just the single event/concert.

• (reponsonsible for the placement of people for different functions at the event, such as entertainment, entertainers, lighting, sound, staging, catering, bartending, décor, ticket takers, ushers, information booths, T-security, to name a few). With the exception of security, I can handle these with my insurance carriers. Security needs to have their own insurance in place. The insurance carriers I work with would prefer that many of the subs contracted have their own insurance in place). A true “staffing company” would not use subs, but all individuals would be considered “employees” of the Event Staffing company and the would carry Workers Compensation on the “staff”. Not an easy risk to insure…depending on what kind of staffing they do.