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Topic: Insurance
Message: Posted by: Dynamike (Jul 31, 2003 02:01PM)
Do you think having insurance is required for a kids show?
Message: Posted by: Frank Tougas (Jul 31, 2003 02:09PM)
Required? Probably not. Unless you are working a theater or event that would require it as part of a contract. Having said that, getting some liability insurance is always a good idea, especially when you are working in people's homes.

Insurance is one of those things that you may never need, but if you do... brother, you NEED it!
Message: Posted by: p.b.jones (Jul 31, 2003 02:39PM)
Hi,

I am sure there is a thread on this already, however yes, I think that you should have public liablity insurance if you work professionally.

Phillip
Message: Posted by: Daniel J. Ferrara Jr. (Aug 1, 2003 08:59PM)
If you are a member of SAM, they offer very low rates on insurance:

http://www.magicsam.com
Message: Posted by: Ty Argo (Aug 2, 2003 12:41AM)
This may be of some help too:

http://www.themagiccafe.com/forums/viewtopic.php?topic=39702&forum=44&5
Message: Posted by: NJJ (Aug 2, 2003 01:20AM)
Yes Yes A Thousand Times Yes!
Message: Posted by: Emazdad (Aug 2, 2003 04:40AM)
See passed threads on the subject, If you haven't got it you shouldn't be doing shows.
Message: Posted by: Dave Campbell (Aug 3, 2003 05:57PM)
Can't help but agree...If you have it you will probably never use it, but if you don't have it you will probably end up wishing you did.
Message: Posted by: drosenbe0813 (Aug 4, 2003 01:06PM)
If you are doing shows in people's houses, and you have any kind of net worth, then get insurance. A freak accident could be pinned on you and with no insurance your house, car, etc. might be used to pay for the settlement.

If you are more than an occasional performer (as I am) then it probably is worth it to get your own insurance. Many people are not aware that the policies sold by the SAM and IBM are group policies. This means that all claims come out of the same 1mill dollar bucket. If in any one year, there are claims above 1 million...then you might be out of luck.

My policy (million dollar) costs me about $650 a year but it gives me peace of mind (and has gotten me shows, where I had to supply a certificate of insurance).
Message: Posted by: Emazdad (Aug 4, 2003 02:38PM)
My Equity membership costs me a lot less than that and gives me 5,000,000 worth of coverage, plus legal help etc. My name is also registered so no-one else can call themselves Emazdad.
Message: Posted by: p.b.jones (Aug 4, 2003 03:24PM)
[quote]
My name is also registered so no-one else can call themselves Emazdad.[/quote]Hi,

Unless they are not a member of Equity.

Phillip
Message: Posted by: Emazdad (Aug 5, 2003 06:55AM)
Hi Phillip,

Just as Macdonalds can sue another burger joint for using the same name, I reckon I can do the same, especially as Emazdad is a name I invented. Mind you I don't think it's something I'd have to worry about.
Message: Posted by: p.b.jones (Aug 5, 2003 10:26AM)
Hi,

Macdonalds is a registered trademark. You try using the name "The Magic Man" for example and you would not be able to sue a soul and they could not sue you in the UK.

Phillip
Message: Posted by: mystic shriner (Aug 5, 2003 11:48PM)
I'm guessing, is "Emazdad" derived from the fact that you have a child named Ema? If so, it's very cool and original. If not, it's still a great name. It's curious how we get attached to our personas in magic. When you think about it, though, many magicians have changed their names many times throughout their careers. Take Harry Blackstone, for instance...do some reading on him and you'll find that his original name is Bouton, that was dropped for a time for the name "Frederick" and later it was finally "Blackstone". I may even change my character later on...I didn't get into magic to get bored! Even though I carry light insurance I have yet to be asked for it. Thank goodness my Bangal Tiger hasn't bitten anyone!
Message: Posted by: Emazdad (Aug 6, 2003 02:22AM)
When I first started out I was trying to think of a name to call myself, Clive Hemsley is not very magical.

I couldn't have "MAGIC BY CLIVE" or "CLIVE'S MAGIC" as there was already a Marks Magic, and Magic by Terry. I wanted something original.

Anyway, Emma was at infant school and I used to go in occassionally when I was on leave and help the kids with their reading. I'd sit at a table outside the classroom and the kids would come out one at a time and read to me, I used to reward their work by showing each kid a little trick. After that whenever I went to pick Emma up from school all I got was the kids shouting "EMMA'S DAD! EMMA'S DAD! Show us some magic!" I played with the spelling came up with Emazdad and havn't looked back. I had a few discussions with the boss about whether I should use two "m"s but as I've discussed before it's worked out brilliantly for me. Everyone remembers my name.

Phil you're probably right, as I said it's not something I ever think I'll have to worry about.
Message: Posted by: roguemagic (Aug 6, 2003 09:48AM)
I'm curious...We all seem to believe that insurance is a necessity, but I wonder how many of us have ever needed to actually use it. I, personally, have never heard of a case where a magician had a circumstance where protection was needed. What about you?

Take care,
Craig Wilson
Message: Posted by: Dynamike (Aug 6, 2003 10:55AM)
[quote]
On 2003-08-06 10:48, roguemagic wrote:
I'm curious... We all seem to believe that insurance is a necessity, but I wonder how many of us have ever needed to actually use it. I, personally, have never heard of a case where a magician had a circumstance where protection was needed. What about you?

Take care,
Craig Wilson
[/quote]
I never heard of a magician needing insurance also. But hundreds of accidental things could happen. For example: a magician may step on a small kid's foot during the show, a kid can get bitten by a magician's pet, a dove may fly off her perch scaring a crowd to make a domino fall, a magician's prop may fall on a child, a magician's prop might break loose while going downstairs hitting a child, a magician might not see kids running at night as he drives his car out the client's driveway, there are many more possibilities also. I think it is better safe than sorry.
Message: Posted by: p.b.jones (Aug 6, 2003 11:02AM)
[quote]
I'm curious...We all seem to believe that insurance is a necessity, but I wonder how many of us have ever needed to actually use it. I, personally, have never heard of a case where a magician had a circumstance where protection was needed. What about you?[/quote]
Hi,

Kevin King says on the [i]Watch Bandit[/i] video that he has insurance because he once damaged someone's watch.

Phillip
Message: Posted by: Emazdad (Aug 6, 2003 03:13PM)
I've never needed to use the insurance, but then I've never needed to use the airbag on my car either. it's there as "just in case" protection.

I don't know anyone else who has either but I do remember an article in the budget once where a chair collapsed and a kid got hurt.
Message: Posted by: Andrew (Aug 7, 2003 12:54PM)
I've never had to use the insurance, but just a few shows ago, I had one of the children toss a prop back to me (it was a wooden block) after examining it. The block just missed the head of another child and I thank the Lord it didn't hit her. But this gave me a "heads up" regarding just how easy an injury can occur. In reality, having the young man toss the block to me was not a bright idea, but other such accidents could occur regardless of the innocence of the situation.
Message: Posted by: TrickyRicky (Aug 30, 2003 07:16PM)
[quote]
On 2003-07-31 15:39, p.b.jones wrote:
Hi,

I am sure there is a thread on this already, however yes, I think that you should have public liablity insurance if you work professionally.

Phillip[/quote]
Hi Phi,

I met some of our professional magicians to discuss the idea of insurance.

I was told by my lawyer that due to the fact that I do so many shows a week I should get insurance. The problem is, over here in Canada insurance policies are darn expensive and I mean expensive.

How is it over your side of the world? Do you have a policy?

Richard Lyn "Tricky Ricky"
I would like input from all.
Message: Posted by: NJJ (Aug 30, 2003 10:15PM)
You need $20 million to perform for a government organisation in my city.

In Australia we recently had a HUGE insurance company collapse (a la Enron) and leave A LOT of people out in the cold. The collapse of the company drew a lot of people's attention to how many claims people make and how much money is being awarded by the courts.

Because of this everyone needs insurance to do almost any job and it costs the earth.

I joined up with a group called Duck For Cover (cool name huh?) who have gotten a great policy at it only costs me $400 for my $20 mill. Aussies should check out:

http://www.duckforcover.com