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Insurance Issues for Touring Artists
Taking an artist's act on the road involves a variety of situations giving rise to potential liability distinct from those associated with general music business activity. Overland vehicle travel ' the norm for all but a handful of prominent national touring acts ' is only the most obvious example. The range of activities that take place in presenting a live show, even at the club level, offers a host of others. Thus, an artist's representative should ensure the following types of insurance policies are in place before a tour begins.
Insurance for Chartered Vehicles and Other Issues
Charter vehicle companies typically provide insurance coverage as part of the charter arrangement. Prior to agreeing to the terms of the charter, the artist's representative should request that the charter service provide a certificate of insurance indicating coverage levels and the effective dates of the policy. The charter company should generally carry a policy with overage levels for combined, single-limit liability coverage of $1 million to $5 million. The artist's representative should also ask the charter company for the Department of Transportation (DOT) number in order to conduct a review of the company's DOT Safety Rating, and ask the charter service to provide references from other artists who have used the company for tour travel purposes.
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