The first useful fact about Magician is the operating arrangement: the hired performer or performing business plans to describe illusion equipment and the scale of the magic act. The reviewer should also resolve this operating question: Which party has responsibility to describe illusion equipment and the scale of the magic act, and how is that role reflected in the application? Do not use a generic premium estimate for this classification. Obtain an actual quote from each market using the same operating facts and requested coverage, then compare the full amount due and terms.
Which separate coverage question belongs in the budget?
Spectator and participant injuries can raise different coverage questions. Event Helper describes participant exclusions and selected options in its program. Ask about the actual participants, instructors, workers and volunteers; availability for this classification needs confirmation. Read Event Helper’s participant coverage explanation. Raise this question when requesting pricing: Which party has responsibility to describe illusion equipment and the scale of the magic act, and how is that role reflected in the application? Tie the response to the plan to describe illusion equipment and the scale of the magic act.
Which limits and deductibles should I compare?
Compare per-occurrence and aggregate limits, sublimits, exclusions and deductibles separately. A $1 million occurrence limit with a $2 million aggregate does not provide a $2 million occurrence limit. Ask which period and covered payments the aggregate addresses. The Hartford explains liability limits. The Hartford’s glossary also explains deductible terminology. Identify which agreement assigns responsibility to identify volunteer participation and any physical handling of guests and which party controls the activity area.
Which version of the operating plan is the insurer reviewing?
Date the activity description and identify the current plan to describe illusion equipment and the scale of the magic act.
Use the activity plan as supporting information. Resolve this point before treating a description as final: Which party has responsibility to describe illusion equipment and the scale of the magic act, and how is that role reflected in the application? What additional facts are needed to identify volunteer participation and any physical handling of guests, and which related participant, property or service exposures need review?
What can make two quotes difficult to compare?
In another hypothetical, the hired performer or performing business has an agreement to clarify who installs props and controls performance-space access. The other organization sends new requirements shortly before access begins, asking for additional insured protection and confirmation of the activity description.
Keep the revised requirements with the application version used for the proposal. Identify any answer that is still pending and who must supply it. Compare the result with the activity plan and identify who will clarify who installs props and controls performance-space access. Resolve this question using the current facts: Does the proposal reflect the real arrangements to clarify who installs props and controls performance-space access, including the separate duties of suppliers and the host? See Travelers’ guide to policy evidence.
What if the planned activity changes after pricing?
Suppose the hired performer or performing business submits a plan to describe illusion equipment and the scale of the magic act. The team then decides to introduce an audience-volunteer illusion not included in the original act description.
Identify the evidence needed to describe the new activity accurately: the current plan, the relevant agreement and the person who can confirm the operating details. Explain what is known and what remains unresolved so the reviewer does not have to infer the arrangement. Request pricing on the corrected description, using the same requested limits and terms for each comparison.
How do I explain shared or delegated responsibilities?
Where responsibilities overlap, identify who will clarify who installs props and controls performance-space access and which organization can approve changes.
Use the activity plan to identify the remaining decisions. Keep the insurance question tied to the actual person, activity and allegation being considered. Request the total premium, fees, taxes and change/refund terms.
Send the current activity description and supporting documents for review. See the coverage review and the last-minute buying guide. Request a quote for Magician.
Event Helper’s overview explains the general event-liability purpose; the actual application and policy still need review.