djandydee Posted July 20, 2009 Share Posted July 20, 2009 Hi All Doing a festival in a few weeks for 1 week and the church involved has the usual lack of budget which strikes up the argument do I provide a full show for the lower price and possibly damage the industry or trim the amount of equipment and run it to meet with costs. However - When presented with the terms and conditions in the quote stating 30 days payment, goods remain property..., and adaquate insurance must be provided to cover loss or damage, they have reacted stating that we should be providing insurance, it never happened before they are not going to be responsible etc. Is this a fair outcome - if they were paying full industry standard rates insurance would be provided. They want it all for nothing and wont even take on its responsability. Ta Link to comment Share on other sites More sharing options...
Andrew C Posted July 20, 2009 Share Posted July 20, 2009 Is this a fair outcome - if they were paying full industry standard rates insurance would be provided. They want it all for nothing and wont even take on its responsability. Take along the T&Cs from any of the hire companies I've used; THEIR (church) responsibility. Don't do the gig if they don't want to pay! Link to comment Share on other sites More sharing options...
Ynot Posted July 20, 2009 Share Posted July 20, 2009 I expect it would be normal for a hire company to expect the hirer to insure any kit hired from them - the T & C of many will in fact state this I believe. And to be honest, I would expect no less. The hirer MUST be liable for the safety of the kit on hire (unless the hirer has provided staff as well). Link to comment Share on other sites More sharing options...
djw1981 Posted July 20, 2009 Share Posted July 20, 2009 It could be worth explaining that they can get a time limited policy as most churches may assume that it would have to be a full year policy. They may also assume that a 'wet hire' comes with insurance...as it is 'logical' to people who think in such ways given that other 'trades' provide their own insurance when onsite. Link to comment Share on other sites More sharing options...
bruce Posted July 20, 2009 Share Posted July 20, 2009 For comparison, it might be worth pointing them towards like HSS tool hire... their FAQ explicitly says that insurance against loss and damage is not included. However, HSS do offer an insurance option, for an additional 15%... Link to comment Share on other sites More sharing options...
djandydee Posted July 21, 2009 Author Share Posted July 21, 2009 To make matters worse it is a wet hire - I am staffing this event every night for the week from 1900 - 2300. My worry is the time outside of these hours when the site is being used by a non industry related commercial business. Update: They have see the error in their ways and are now happy to accept responsability. Thanks for your suggestions Link to comment Share on other sites More sharing options...
osal Posted July 21, 2009 Share Posted July 21, 2009 I would say looking at your website being a director of a company suppling sound and lighting you should have insurance anyway Link to comment Share on other sites More sharing options...
djandydee Posted July 21, 2009 Author Share Posted July 21, 2009 PLI yes, storage insurance yes, transport insurance yes, in a barn in a field without 5 lever locks somewhere in Ireland...no. Link to comment Share on other sites More sharing options...
EtSyDeIr Posted July 22, 2009 Share Posted July 22, 2009 Most hire company's do offer insurance on their kit, it might be 10-20% of the hire cost. Talk to the hire company usually they will be able to advise you on what insurance they can offer, its in their best interest to keep the kit covered. I am sure that if you have a hunt about the internet you will be able to find a short term policy. there must be someone in the uk that offers event insurance, if not, you read it here first Link to comment Share on other sites More sharing options...
lightsource Posted July 24, 2009 Share Posted July 24, 2009 Most hire company's do offer insurance on their kit, it might be 10-20% of the hire cost. Talk to the hire company usually they will be able to advise you on what insurance they can offer, its in their best interest to keep the kit covered. Surely any hire company selling insurance of any kind would need to be regulated by the FSA. Most hire companies require the hirer to provide the insurance, for a dry hire, now in the OP's case, whilst not a dry hire, the equipment would be at the venue unattended for long periods. Link to comment Share on other sites More sharing options...
Pete McCrea Posted July 24, 2009 Share Posted July 24, 2009 What they tend to do is offer a 'Insurance/Damage Waiver' where I guess they basically add 10-15% onto the hire to cover the increased premiums when they have to claim on their policy to cover the damaged or lost kit, as opposed to making it the hirers problem. Link to comment Share on other sites More sharing options...
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