Theatrical Agency Insurance

Property exposures: This is typically confined to your office. Fire source potentials include your electrical wiring, as well as wear and overheating of office equipment. You may also be concerned about theft depending on the type of computer and automation equipment you have at your location.

Crime exposure: You have the potential for employee dishonesty. Wisdom dictates that you take the time to do background checks on all employees and workers. Set up monitoring procedures for all employees. Secure all records to prevent unauthorized access and theft of social security numbers. Use a different person to order, bill, and disburse funds. Finally, be sure to do annual account audits.

Inland marine exposures: Do you have some clients that keep running tabs on their open invoices? If yes, then your accounts receivable is at risk. The computers that you use are at risk. Finally, your valuable papers and records are at risk, so make copies of all important client and vendor papers and store them off-site.

Premises liability exposure: This shouldn't be too high considering much of your work is probably done by phone. To protect the clients and theatrical workers that do come to your office, it is imperative to keep your waiting area and bathrooms well-lit and the floor covering in good condition. It is important to protect your temp workers' identities by keeping valuable records in locked filing cabinets. If you keep these records, including social security numbers, on your computer then you might consider getting some cyber liability coverage. Be careful to not breach confidential information on workers and employees.

Errors and omissions exposure: Your biggest concerns here come from making commitments and booking workers for a project. If you can't supply the needed workers with the needed qualifications on the correct date, it might lead to a lawsuit if your client is hurt financially.

Automobile exposure: Do you offer shuttle service for temporary assignments or transportation to interviews? Do your employees use company vehicles for running errands? Check that all drivers have the correct licenses for the vehicles being used. Do you currently run MVRs on a regular basis? Finally, maintain all vehicles along with their records.

Workers compensation exposure: This usually is limited to office-type hazards. Take the time to educate your workers to minimize eye strain, neck strain, carpal tunnel syndrome, and repetitive stress injuries. Ergonomically designed workstations may reduce worker injuries. Make sure that your contracts outline who is responsible for paying workers' comp coverage.