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The Magic Cafe Forum Index » » The side walk shuffle » » Liability Insurance (0 Likes) Printer Friendly Version

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MAGICofSeth
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I have an update for anyone just reading this chain:

Clowns of the US: $190/yr Looks like best coverage...
Offers discount for COAI membership.

Clowns of America (COAI): Not offered any more. (per the rep I called)
Big Jeff
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You have it, but have you ever NEEDED it?
Kozmo
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I cant beleive this!!!! I don't say much these days but I tell ya, insurance to work the streets,...first covnet gardens is not the streets!....i wonder if cellini ever had insurance or gazzo....ah you outlaws!....

to tell you guys the truth, I don't have insurance...the places I work don't require it... Smile come on, take a chance
Chance
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Someone call?
ed rhodes
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Rhode Island
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Quote:
On 2006-04-13 20:07, Big Jeff wrote:
You have it, but have you ever NEEDED it?


Better to have it and not need it,
than to need it and not have it!
"He was born with the gift of laughter and a sense that the world was mad." - Rafael Sabatini, Scaramouche
Bill Palmer
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I didn't see the request for the difference between the IBM coverage and the SAM coverage.

The SAM coverage limit is for ALL of the members of the SAM total. The IBM limit is per incident.

So, assuming that the SAM limit is $3,000,000.00 (I don't know the actual limit, I'm just guessing) and there are 30 claims, that means that the average payout will be limited to $100,000.00. Or if there is a big claim at the beginning of the year, there may be nothing left at the end of the year. The IBM claims are independent of each other.
"The Swatter"

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My Chickasaw name is "Throws Money at Cups."

www.cupsandballsmuseum.com
Laird
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Granted I haven't been at this as long some people. I don't use pyro, blades, or whatever else could be of danger. I have to ask, has anyone heard of anyone being sued???
I'm not trying to contradict the wisdom of insurance, but what possible risks am I subjecting to the public? I'll insure the toes of my great grandchildren, but what are the examples of litigiousness? And would it cover any injury to me?
It's never to late to have a happy childhold!
Bill Palmer
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This happened to a friend of mine who works fairs and festivals all over the country. He did not have liability insurance when it happened, but one of the magic clubs he belonged to helped him with the case anyway. I don't recall which one it was, but that doesn't matter.

He was working at the Children's Museum in Houston. He had forgotten to put water into one of his props, so he asked one of the employees of the Museum to fill it for him. On the way back from filling it, the employee spilled a bit of water on the floor. A lady slipped and fell, claiming she had injured her arm. So she sued the museum. The museum pulled out the contract they had with my friend, and there it was -- any liability for damages caused by the act were the responsibility of the performer. Even though it was their employee, it was the magician's act that had caused it.

At first, the fellow ran around like a chicken with his head cut off. I told him to get an attorney. He got one through one of the clubs. Now this is where it gets interesting. The attorney did some research and found that this litigant had sued all sorts of places for similar "accidents." The judge threw the case out of court. My friend had to pay his attorney, but that was all.

He could have lost his house, his car, his truck ....

Now he has insurance.

If you plan to work at any mall in the US, you'd better have insurance.
"The Swatter"

Founder of CODBAMMC

My Chickasaw name is "Throws Money at Cups."

www.cupsandballsmuseum.com
Laird
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Ask a kid living in Houston, I routinely went to the Museum of Natural History and Herman Park and Zoo. I get your point. It could happen anywhere, anytime. That's a lot of hat just to work the street safely.
It's never to late to have a happy childhold!
Lee Darrow
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Quote:
On 2005-09-06 18:46, RWhit wrote:
Insurance for a busker. If sued ,what would they expect to get-his table? shoes?Don t waste your money.


As an insurance guy in my slow seasons (though I don't do liability insurance) I can answer this one - they can attach ANYTHING you have NOW and WILL MAKE IN THE FUTURE up to the amount awarded. That means that if you get married and buy a house, the house can be attached as part of the settlement. If you win the lottery for $10,000 and the award of damages was for $50,000, THEY get the WHOLE $10,000 and YOU have to pay the income tax on it, to boot!

You quit magic and get a "real" job. The court can - and usually WILL - attach a portion of your salary which will not endear you to your new employer and may even cost you your new job.

Or you publish a book on magic and get, for instance a $5,000 fee for doing so. The court can attach up to the entire amount because it's a windfall. Usually, they attach a portion of it - a BIG portion, I hasten to add, but they get a slice for the injured party, nonetheless.

You "get discovered" and wind up doing a TV special and get paid $50,000 (which, for a special of your own isn't all that much these days). The plaintiff in your case was awarded $125,000 in injuries in their claim against you. Guess where the bulk of that $50,000 goes? To the plaintiff and the rest of it will probably go to your lawyers who you have to PAY to DEFEND you whenever a claim is made against you in court.

Now does it make more sense?

So, as has been said before - NEVER leave home without it!

Lee Darrow, C.H.
http://www.leedarrow.com
<BR>"Because NICE Matters!"
TheAmbitiousCard
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I used World Clown Association. I joined, got liability insurance, and also had the client put on the policy. In less than 2 hrs. I had the .pdf waiting for me in my Inbox.

If you need something done quickly, that's a great place to start.

http://www.worldclownassociation.com

Now to go by my big red shoooooos.
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mota
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Lee makes a good point...just because you don't have anything now doesn't mean you won't in the future.

It is the unexpected things that will get you sued. The question, "What could I possibly be sued for?" is unanswerable...you haven't made the mistakes yet.

There is another reason for insurance...the thought that you don't need it because they don't have anything you can take is a very selfish attitude. You have a responsibility to your audience to stand up for any mistakes you make that damage them.

The "I don't have anything they can take" attitude is more fitting for a low-level con man selling home repair scams than a magician.
TheAmbitiousCard
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Now that I'm set with this insurance, I do feel much better about this whole thing.
I passed up on a gig a ffew years ago becuase I thought the idea was ridiculous but now I know better.
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mota
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I posted above:

...the thought that you don't need it because they don't have anything you can take is a very selfish attitude.

It got backwards (you never know when a mistake might happen). It should read:

...the thought that you don't need it because you don't have anything they can take is a very selfish attitude.
Laird
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I'm sold. I'm certainly reaching a point where my busking has given me leads and referrals for valid jobs.
To me the beauty of busking was no taxes, being captain of my own ship, etc. Call selfish if you choose...............
It's never to late to have a happy childhold!
Jerrine
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Busking is work.
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I'll bite. What about busking isn't "valid"?
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