The Fractured Atlas Insurance Program is offered through the brokers at Lockton Affinity.
Carriers offering coverage include Aspen, Chubb, CNA, Great American, Hanover, Hartford, Philadelphia, and USLI.
What is annual general liability insurance?
An annual general liability insurance policy protects your business operations on an ongoing basis, throughout the year, from third-party claims of bodily injury or property damage. This type of coverage is frequently required by landlords, managers, and lessors of premises, so you may see it requested in a contract for the use of a venue or space. If you are asked by another entity to name them as "additional insured" on your coverage, general liability is most likely the type of insurance you need.
Some examples of third-party bodily injury include:
- An audience member is accidentally hit by a falling set piece during your theatrical production, and is injured.
- A person passing by your film shoot accidentally trips on the equipment you're using for the shoot, and is injured.
Some examples of third-party property damage include:
- Dancers rehearsing as part of your project cause damage to the floor in the studio you're renting.
- The installation process for your public art project causes damage to the surrounding park space.