Thank you for the response! I have heard of that policy before and I will be sure to check on that one also.
If I may ask, as a youth performer, are the rates afforable? How much insurance coverage do they provide? Thanks again for your input!
Well IMO it is quite affordable. It is $190 per year which for my is 2 shows. 2 shows of payment is SO Worth it to make sure that i am fully covered for 2 years. As the old saying goes, "It's better to be safe then sorry." I have never had to use my insurance but if i ever need to I will be glad that i have it.
I originally bought it because my mentor told me that it's needed. He said that even if i only breaking even at the end of the year because of the insurance it is still better to have it because i will still be gaining experience for the future when i will actually need the money. Now adays magic is just a hobby and if i can make some money from it then even better!
Here is what they cover....
$3,000,000 Each Occurrence (bodily injury & property damage to others)
$4,000,000 General Aggregate (the most the policy will pay out during the policy year)
$3,000,000 Personal & Advertising Injury (hurting someone's feelings)
$4,000,000 Products & Completed Operations Aggregate (the most the policy will pay out during the policy year)
$50,000 Fire Damage (to rented premises)
$5,000 Medical Expense (emergency medical and others at the time of injury)
ps. When i was choosing which to get i also looked at the IBM insurance, however after some research this seemed to be the better one.