Orchestras Insurance

Orchestras Insurance

What if...

  • Your leader's instrument is damaged in transit?
  • An audience member is injured at your performance?
  • Borrowed costumes, props or equipment get damaged?
  • One of your performers is injured on stage?
  • Airport delays mean you miss a performance?

In the performing arts, the show must always go on – but for orchestras, good insurance isn’t just about processing a claim, it’s about thinking laterally to solve challenges and problems fast. By supporting you with specialist cover and sound risk management advice La Playa can help you do a great job.

Orchestras and ensembles present very specific risk exposures – and now your digital and online risks can expose you globally. 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.

So why do orchestras need specialist insurance?

1. Cover: orchestras need a diverse range of cover, including “non-standard” property insurance (computers, sheet music, audio visual equipment, props, stock and musical instruments); Business Interruption (to protect income streams during physical and technological disruptions such as fire, flood, power & telecommunications failure, prevention of access to a venue, failure of a safety curtain, sound & lighting); liabilities for audiences, freelancers, volunteers, merchandise and venues; money (box office income, per diems, programme/merchandise cash); and all the protection needed for touring activities.  They may also need to consider Cancellation Insurance (especially if they promote their own concerts); Trustee Liability protection for their board; and Professional Liabilities to defend against allegations of libel, slander, infringement of copyright, breach of confidentiality – particularly as their websites expose them to global legislation of which they can have limited knowledge.

2. Definitions/MO: as well as the range of cover needed by an orchestra, there are also key differences in the “definitions” in the contracts: for example, “employees” needs to include volunteers, freelancers, tour managers; and a policy that defines “working hours” as 9-5pm isn’t going to work.

At La Playa, we understand you so well, we'll compete the form for you...  Let's talk! Our premiums start at £560 inclusive of IPT.

We can help with:

  • Property: computers, sheet music, audio visual equipment, offices, props, stock and musical instruments
  • Business Interruption: protects income streams during physical and technological disruptions (fire, flood, power & telecommunications failure, prevention of access to venue, failure of safety curtain and lighting)
  • Public, Product & Employers' Liabilities: compensation payments arising from damage to third party property, or personal injury (audiences and venues)
  • Money: box office income, per diems, merchandise/programme cash
  • Travel & Touring: trip cancellation, medical expenses, passport replacement, loss of baggage
  • Cancellation: Cover against performer non appearance, venue closure and other production threatening events
  • Professional Indemnity: protects against allegations of negligent advice from your website, and in a consultancy capacity, breach of duty or mismanagement
  • Trustee Liability: protection for your board, who are personally liable for the organisation's decisions
  • Legal Expenses: protects your organisation in employment disputes, health & safety issues, contract disputes and tax issues, and provides an advisory service
  • Key person insurance - protecting your organisation's future
  • Employee Benefits - pensions and benefits to help you attract & retain top talent

Lets talk!

ABO Association of British Orchestras logo

Property And Equipment Violin Scroll

“Your colleagues were amazing in helping me after hours. They were professional and very quick in dealing with me.”

Antoine D

 

Ready to work with us?

You can call us to talk more about your business on +44 (0)1223 200650 or +44 (0)20 3865 0149

What's Covered?

Monthly Payments
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About La Playa Arts & Entertainment

Specialist & Independent

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 organisation.

Our exclusive portfolio 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!

In-house IFA

We also offer Business Protection (including Key Person Insurance) and Employee Benefits: a joined up approach with a team of advisers working for your best financial interests - all under one roof

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 UK and US

Premiums start from £560 inclusive of IPT

What does “Boutique Service” actually mean?
La Playa’s Personal Risk Concierge means:

  1. A dedicated adviser so you can speak to the same person each time
  2. Careful listening to really understand your needs and priorities
  3. As much help as you need with completing forms to provide risk information
  4. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  5. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  6. Careful monitoring of the insurers’ financial strength, claims and customer service
  7. An independent recommendation of the best policy for you - and, importantly, why
  8. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analysed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies 
  9. An intelligently designed portfolio of protection across multiple asset classes and territories
  10. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone, mobile and email access to your adviser for questions and advice. We aim to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running; driving through to a swift and fair financial settlement

Oh, and...

  • No call centres
  • No ‘hold’ music
  • No hidden fees

*subject to availability with our insurer panel

 

Photo from Arts & Entertainment
Photo of Catherine Lineham Dip CII

Catherine Lineham Dip CII

ACCOUNT EXECUTIVE

Direct Dial: +44 (0) 1223 200657

Mobile: +44 (0) 7876 825571

Email: catherine.lineham@laplayainsurance.com

Twitter: @CatherineLatLP