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Contact us:
Simply Circus, Inc
info@simplycircus.com
86 Los Angeles St
Newton, MA 02458
617-527-0667
617-431-7352 (Gym)
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You are here: Simply Circus>>Community>>Research>>Administrative>>Risk
Management>>Insurance
One this page...
- General Questions
- Types of Insurance
- Risk Management Plan
- Who insures youth circuses
There are no hard and fast answers to the liability and insurance questions.
Exactly what your liability is and how you control that risk will depend in
large part on where you are, and what you are doing. Consult both your lawyer
and your insurance agent with specific questions. The following Frequently
Asked Questions about insurance should get you started in your search for
answers.
Q. What kind of insurance do I need?
A. This is perhaps one of the most commonly asked questions in regards to
youth circus and aerial arts and insurance. The short answer is that you need to
sit down with your insurance company to figure out exactly what coverage you
need to have for what you are doing.
The following is a US centric listing of the various types of insurance you
want to look at:
| Name |
Description |
Who is this for? |
| General Liability Insurance |
General Liability insurance can prevent a legal suit from turning into
a financial disaster by providing financial protection in case your
business is ever sued or held legally responsible for some injury or
damage. General Liability pays losses arising from real or alleged
bodily injury, property damage, or personal injury on your business
premises or arising from your operations. |
All |
| Workers' Compensation insurance |
Workers' Comp policies are generally two part policies. The first part
covers the cost of medical expenses and disability payments if employees
are injured or exposed to illness-causing substances while on the job.
The second part provides businesses with liability protection in case
they are sued for damages arising from employment-related accidents or
diseases. |
Anyone with employees |
| Umbrella Liability insurance |
Umbrella Liability insurance provides extra liability coverage for
your general liability insurance. Once the limits on an underlying
policy are exhausted, the umbrella comes into play. |
All |
| Professional Liability Insurance |
Professional liability insurance, also known as "errors and
omissions" is coverage that protects a business against
malpractice, errors, negligence and omissions. |
Performers, schools |
| Product Liability Insurance |
Product Liability Insurance is insurance for businesses selling or
manufacturing products. This type of coverage protects the business in
the event of a person becoming injured as a result of using the product. |
Stores and manufacturers |
| Secondary Injury Insurance |
Also known as "Accidental Death and Accident Medical
Insurance", this type of insurance coverage is secondary to other
insurance, such as group medical and Medicare. Secondary injury policies
generally require that claims first be submitted to all other insurance
companies before claims will be processed, however they will generally
also pay out immediately if no other coverage is available. |
Schools |
Q. What is a Risk Management Plan, and why do I need one?
A. A Risk Management plan is a written plan detailing how you plan to
mitigate the known and unknown risks associated with your program. A good risk
management plan includes all of the following
- List of skills taught (schools) or performed (schools and performers),
along with a leveling and advancement system (schools). For students of
Simply Circus, this is contained in your Circus Skills Syllabus and Self
Training Guide
- Description of the skills you are performing (schools and performers),
including the safety precautions taken for each skill. For students of
Simply Circus, this is included in the appropriate Simply Circus textbook,
or the Aerial Circus Training and Safety Manual.
- Safety and emergency rules, policies and procedures, including how and
when to access EMS. For the students of Simply Circus, this is included in
the appropriate the appropriate Simply Circus textbook, and facility guide.
For a sample risk management plan, see: www.tarook.com/circus/index.htm
Q. Who typically insures youth circus programs?
A. As of this writing (4/2008), there are three companies that write most youth circus insurance.
Those companies are ISERA/EIB, the Lester
Kalmanson Agency and the Boy Scouts of America through their Learning for Life
division.
The latest applications for these policies were presented at the 2008 SCRC.
You can access those handouts by clicking here.
Q. Who typically insures performers?
A. As of this writing (5/2008), there are four companies that write most
performers insurance.
Those companies are the International Jugglers’ Association; Specialty Insurance Agency (formerly Clowns of the US);
American Fire Artists, LLC and; the World Clown Association.
The latest applications for these policies were presented at the 2008 NE
Circus Camp Directors meeting. You can access those handouts by clicking here.
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