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 event insurance?
An event insurance policy offers short-term liability coverage. Much like an annual general liability policy, it protects your business operations from third-party claims of bodily injury or property damage. However, it does so on a short-term basis, for the duration of a specific event. 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 you're working with to name them as "additional insured" for a specific upcoming event, event insurance may be right for you.
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.