Tuesday, June 27, 2017

We Can Show You Simple Ways to Save on Your Entertainment Insurance


An Entertainment Insurance Update

Your business provides important and needed services to your customers and is a cornerstone in the community.  You also have the responsibility of employing many good people.  It is important to have the best possible combination of business insurance coverage, pricing, and service.
We can help you design an entertainment insurance program that is right for your individual business. 
We understand that having the right business insurance program can be the difference between recovering from a loss or going out of business.

Business Insurance Considerations
·         Do not overlook needed coverage like employment practice liability, business income, and cyber liability.  A business owner’s policy or “BOP” might be a good option for you.

·         Work with an independent agent. We can help by recommending coverage options and searching the market for the best options for your business.

·         Consider combining your business coverage with your commercial auto to provide additional discounts.

·         Have your agent educate you on what kind of business insurance you may need.

·         Make sure you read your insurance policies.

·         Request that your agent perform an annual program review.  This is a good way to determine if you need other coverage because of business changes.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.



Thursday, June 22, 2017

Common Mistakes Made When Purchasing Entertainment Insurance



Business Insurance 101

We work with hundreds of businesses and help them manage their commercial insurance programs. Our team recommends coverage and risk options as part of our regular services. Over the years, we have seen some businesses make preventable mistakes when considering their insurance coverage.  We thought it would be good to share these with you.

Entertainment Insurance Mistakes
Mistake: Assuming you do not need an agent.
Your agent can provide valuable services including educating you on what coverage you need and may not need.  Your agent can search the market for the best possible combination of coverage, price and service.

Mistake: Thinking that your policy covers all losses.
Your business insurance policy is intended to cover unexpected losses and accidents subject to the policy terms.  There are limitations and exclusions in every policy.

Mistake: Assuming that the lowest price is the best option.
It may be that the lowest priced insurance excludes needed coverage.  Your agent can help you determine the best coverage option for you.

Mistake: Not including cyber liability, employment liability, and professional liability in your business insurance program.

In today’s litigious climate, all businesses need to be protected with this coverage.
The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses