Face Painting Insurance FAQ
A Face Painter that is considering buying Public Liability Insurance would probably be thinking about how to minimize the risk of ever having a claim brought against one. Here are some of the things to consider and think about to help minimize potential problems:
* Work procedures and products used
* Angering customers
* General hygiene and cleanliness
* Employed staff and Human Resources issues
* Allergic reactions to products
* Accidental injury to a customer, especially a child
* Equipment used cause injury to a child or damaged property
* Using dirty water or any other unsafe practices
* Sexual harassment claims
* Passing on contagious diseases
* Working in an area that is unsafe
* Physical abuse claims
* Customers under the influence of alcohol
If one is going to be paying out a monthly amount for this kind of insurance one needs to know what you are getting into before a claim occurs. These are some of the questions to think about before speaking to your insurance agent. Many companies have their terms and conditions on their websites. Check out the following:
* What does it cost?
* Are there any hidden costs?
* What is covered by the policy?
* Are face painters specifically covered?
* What are the exclusions of the policy?
* How easy is it to make an insurance claim?
* Will the Insurance Company handle the claimant directly?
* For what amount is one covered and what are the limits?
* Is there a fee that would need to be paid first?
* Is there a fee per claim?
* What about cancellations of the policy?
* How do policy renewals work?
* Do they have experience with Face Painters claims?
* Can they give you the name of the person who handled the claim?
* Is ones own negligence covered?
* Are lawyers or attorney fees covered?
* Do any of the large Face Painting groups use them?
* Do the rates vary depending on the number of claims made?
* How many claims did they pay in the last 3-4 years
* What & when was the last price increase?
* Is there a Document that clearly states what Is, and is Not covered?
* Some events require to be added as "additional insured".
* Does this policy allow this and how much does it cost per incident?
* Is this also documented?
* Does the policy cover pros and/or casual face painters?
* Is any other extra cover offered.
