Johnsonese Brokerage 
insurance for the creative community 
 
Winter Theatre Insurance Newsletter
January 2010 (1st Edition)
Happy New Year!
 
Welcome to the first issue of the Johnsonese Brokerage Theatre Insurance Newsletter. The goal of our quarterly newsletter is to provide useful information about insurance to theatres and performing arts groups.
 
The winter months are slow for many organizations. This could be a good time to review your insurance. It might be easier to save money this month than generate additional revenue with your time. And improvements in coverage made now will put you in a good position to grow when spring and an improved economy eventually arrive! 
 
 Year 2010
In This Issue
Van of Band Vandalized During Stop in Chicago
Infamous Theatre Disasters
Do You Need Directors & Officers Liability Insurance?
Start the New Year with Home Fire Safety
 
Van of Band Vandalized in Chicago
 

REEL Chicago reported that thieves broke into the van of an emerging indie-pop band from L.A. while the group was taping an in-studio performance in Chicago. The band, Saint Motel, lost an electric bass, an acoustic guitar, iPods, and a laptop.

 

During daylight hours the thieves simply smashed one of the van's windows.

 

-REELChicago.com October 21, 2009

 

Property left in cars and other vehicles makes easy targets for thieves. Try to not to leave valuable equipment in unattended vehicles.  

 
 
 
 
Infamous Theatre Disasters
 
 

Safety is critical anytime that a large group of people are brought together in a single space. History can be useful reminder that disasters can and do happen. Here is a list of deadliest theatre fires from Wikipedia.  

The Brooklyn Theater Fire was a catastrophic theater fire that broke out on the evening of December 5, 1876 in Brooklyn, NY. The conflagration claimed the lives of at least 278 individuals, with some accounts reporting over 300 dead.

Fire FightersThe Iroquois Theatre Fire occurred on December 30, 1903, in Chicago, Illinois. It is the deadliest theater fire and the deadliest single-building fire in United States history. A total of 602 people died as a result of the fire. An arc light shorted and ignited a muslin curtain. 

The Rhoads Opera House, located in Boyertown, Pennsylvania, caught fire on January 13, 1908 during a church-sponsored stage play. The fire started when a kerosene lamp was knocked over. 171 people perished when the exit was crowded against to escape the fire.

The Laurier Palace Theatre fire was a small fire that occurred in a movie theatre in Montreal, Quebec, Canada on January 9, 1927. The fire--reportedly caused by a discarded cigarette smoldering beneath wooden floorboards--started in early afternoon during a comedy. 78 persons died in the ensuing mayhem.

The Glen Cinema Disaster of 31 December, 1929 in Paisley, Scotland, killed 69 children and injured 40. On that afternoon, during a children's matinee, a freshly shown film was put in its metal box, in the spool room, where it began to issue thick black smoke. Soon the smoke filled the auditorium containing about one thousand children. Panic set in.

On August 20, 1978, in Abadan, Iran the Cinema Rex theatre was set ablaze, killing over 400 individuals. The ruling shah, Mohammad Reza Pahlavi, said that Islamic militants set the fire, while many blamed the country's intelligence service, SAVAK for setting the fire.

The 1994 Karamay Friendship Theatre fire, considered one of the worst civilian fires in the history of the People's Republic of China, occurred on December 8, 1994. A fire broke out in a theatre hosting 1,000 children and teachers. The fire resulted in 325 deaths with 288 of them being school children.

The Uphaar Cinema fire, one of the worst fire tragedies in recent Indian history, occurred on Friday, June 13, 1997 in Green Park, Delhi. 59 people died and 103 were seriously injured in the subsequent stampede; most of the victims were trapped on the balcony.

The Beni Suef Cultural Palace fire occurred in Beni Suef, Egypt, on September 5, 2005 and killed 46 people. The Cultural Palace was overcrowded at the occasion of the Amateur Theatre Festival when a burning candle lit paper décor on the stage and started a conflagration. 

 
 
 
What is D&O Insurance and Do You Need It?
 
Directors and Officers Liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a organization, or to the organization itself, to cover damages or defense costs in the event of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization.
 
In other words, the board members and staff of your theatre could be sued personally for actions they take while performing their duties. D&O insurance can benefit both your organization and its board members and staff. Some people may decline to sit on your board if you do not have adequate D&O coverage.
 
"There is probably not a community theater too small to need Directors and Officers Liability Insurance. If you do not have it, you need to look at purchasing it; if you do have it, you need to read the policy. It is likely there have been coverage changes in the last couple of years." This quote is from Doug Bechtel, President of the Actors Theater of Orcas Island.
 

Please contact us to learn more.

 
 
 
Start the New Year with Home Fire Safety
 

Chubb Personal Insurance reminds us that structure fires kill more Americans each year than all natural disasters combined. Here are some come sense safety tips from Chubb:

 

Fire Extinguisher1.       Purchase Fire Extinguishers 

There should at least be one fire extinguisher in the kitchen, in any room that has a wood-burning stove or fireplace, in the workshop and the garage. Every six months, check that the pressure indicators are still firmly seated in the green area.

 

2.       Understand Your 9-1-1

An increasing number of 9-1-1 calls are being made either from cell phones or from broadband home phones. The 9-1-1 service works differently in both these situations, and it is important to understand the difference. An emergency call from a cell or broadband phone is typically routed to a dispatcher in a distant place. He or she may be unable to pinpoint your location, so you must clearly communicate the city you are calling from, your exact address and the type of emergency.

 

3.       Maintain Your Smoke Detectors

Smoke detectors should be installed on each level of your home and within 15 feet of all sleeping areas. If you opt for battery-operated smoke detectors, test them every few months and replace the batteries at least twice a year.

 

4.       Keep Warm Safely

Furnaces should be professionally cleaned and inspected prior to each heating season.

 

5.       Prevent the Shock of Your Life

If you need more plugs in one location than can be accommodated by the electric outlet, purchase UL-rated power strips or surge protectors instead. Never run electrical cords or extension cords under carpeting or connect two or three of them to each other.

 

6.       Keep the Grill Where It Belongs

Never use an outdoor cooking device inside. Do not use outdoor cooking devices on the porch since the flames of a grease fire can easily reach the porch ceiling.

 

7.       Plan for Wildfires

If you live in a wildfire-prone area, clear dead limbs from trees and brush from the ground prior to wildfire season to help create a "clear space" around your home.

 

-Smart Choices, a semiannual eMagazine for Chubb Personal Insurance Customers, Fall 2009

 
Of course most of these suggestions can also be applied to our work places.
 
 
 
 
At the Johnsonese Brokerage it is always our goal to reduce your insurance costs! To get started immediately call 773.252.8750 or Email info@johnsonese.com
 
Regards,
 
Chris Johnson 
 
Christopher Johnson
Johnsonese Brokerage LLC
 
 
About the Johnsonese Brokerage
 
The Johnsonese Brokerage LLC is a licensed and bonded independent insurance agency focused on insuring creative organizations.
 
Who we insure:
 
  • Production Companies
  • Theatres
  • Theatre Companies
  • Dance Companies
  • Acting Schools
  • Concerts
  • Musicians
  • Light & Sound Companies
  • Costume & Props Companies
Special Events 
 
 
 We are licensed in the following states:
 
  • California (license #0G69323)
  • Illinois
  • Indiana
  • Florida
  • Maryland
  • Michigan
  • Minnesota
  • New York
  • Ohio
  • Wisconsin
 
 
How are we doing? Your feedback is always welcome!
Common Insurance Terms
  
 
1. Additional Insured 
 
A person other than the named insured who is protected under the terms of the insurance contract. Usually added by endorsement to the policy. 
 
 
2. Endorsement
 
A written or printed form attached to a policy that alters provisions of the contract. 
 
 

3. A.M. Best Company
 
The largest and longest-established company devoted to issuing financial strength ratings about insurance companies. Your agent should give you the Best rating for your insurance company.
 
 
 
New Product
 
We have a new pay-as-you-go workers' comp insurance product! This product is offered with Paychex payroll services. The benefits include: 
 
  • Minimal deposits
  • Payment based on actual payroll 
  • Electronic & timely payments
  • Detailed, accurate reports
  • 24 hour, toll-free claims reporting 
 
 
Our Business Partners
 
  • AmWins
  • AXA
  • Chubb 
  • CNA
  • Insurance Noodle
  • Markel
  • Paychex
  • Production HUB
  • Risk Placement Services