With summer just around the corner, communities and organizations of all types are beginning to prepare for their various summer events. In doing so, they are booking all sorts of including face painters, talent and body painters. In order to participate in most of these events, the organizers require face and body painters to have specific liability insurance in case a participant makes a claim against them. Get face painting insurance, What many face painters and body painters don’t painting, however, is that all liability plans aren’t equal. The following are three main points to consider when selecting a policy for your face painting or body painting business.
LOOK AT COVERAGE AND EXCLUSIONS
Many policies have very similar coverage limits, but often the details of what is and is not covered vary significantly. Even in plans meant for insureds like face painters and body painters, specific kinds of paints can be excluded! One main exclusion to look for is regarding FDA-approved paints or paint elements. If the paints you are using aren’t FDA-approved or do not have FDA-approved elements, then coverage is void, which means you picked up an insurance policy for nothing. If you also include balloons or henna in your work, then make sure those are covered as well.
Teaching is another aspect of many faces and body painters that is overlooked by insurance policies. If you educate, then you need to have professional liability included in your policy. Without professional liability coverage, you will not be covered if a claim happens consequently of your teaching. Your policy should have general liability and professional liability included to ensure complete coverage. The BWI policy includes coverage for henna and all paints-no FDA restrictions. Professional liability is also included for those who teach or train in face and body painting. Balloon work is excluded.
One of the main variations between us and the majority of our rivals is that our policies are extremely affordable. We are able to do this by simplifying the procedure to getting your plan, and by eliminating the middleman. Quite often when a person is purchasing insurance for a few sort of area of expertise business, it needs an underwriter, insurance professional, sometimes a low cost insurance professional, and the insurance company. Due to that process the covered by insurance is often necessary to pay fees and an increased premium to pay the quantity of work required by each company included.
The Bodywork Insurance Program originated specifically to cut out the middlemen and bring insurance options from the insurance company directly to the client. Because you don’t suffer from 3 or 4 different companies on the path to the real insurance product, the purchase price is trim significantly without compromising service or coverage.
DON’T SHARE LIMITS
What a lot of people with group plans don’t realize is they are, the truth is, “sharing” their coverage limits. As the practice of group insurance policies is a common practice in reducing the price to the covered by insurance, sharing limitations means you’re getting less coverage than you think. In an effort to illustrate this idea, if your plan states which you have a $3,000,000 general and professional aggregate limit, and another covered by insurance person that “stocks” your plan were to produce a $500,000 state, there would only be $2,500,000 still left that you can state if necessary. As time passes, the $3,000,000 theoretically could be reduced to nothing at all leaving you without coverage, even though you never really had a state.
On group policies where you don’t share limits, whatever happens with the others who take part in the group policy, you will have the same amount of coverage in support of your own promises change the available limits. This implies you merely have to get worried about yourself, nobody else.