The tickets were sold on a name. The name has laryngitis.Founded by an Emmy-nominated television editor.
When the artist people paid to see cannot perform, general event coverage does not answer by default. We add the named-person exposure for promoters, tours and festivals.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
We were editing television long before we were insuring it.
Kevin Kelsey
Founder | Principal Agent
IATSE Local 700 member
Boring’s founder, Kevin Kelsey, edited television for fifteen years before he sold a policy. He was Emmy-nominated for The Muppets Mayhem, cut Shark Tank, Big Brother, Dancing with the Stars and Wheel of Fortune, and handled compliance and risk for some of Hollywood’s largest production companies. So the person building your coverage has been on a crew list, dealt with the permit offices, and met network and streamer requirements from the production side, rather than working from a rate manual. He also builds post-production software. Manifest Post is the board episodic post teams use to track every episode, and B/side is a video editor for people who cut together. He holds a number of patents on that software. So he knows the post side of a production as a vendor to it. We insure productions from Los Angeles to Atlanta, New York and Toronto, with worldwide and foreign production coverage.
The work is placed with the markets that actually write film, television and live entertainment — Zurich through ISC Entertainment (formerly Abacus), Philadelphia Insurance Companies, Take1 and Alive Risk — rather than with a general small-business carrier asked to try.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What non-appearance actually covers.
Illness, injury and death
The named artist cannot perform for a medical reason, evidenced rather than asserted.
Without it — Refunds and committed costs land entirely on the promoter.
Travel failure
Grounded flights, closed borders and missed connections that stop an act reaching the stage.
Without it — On a routed tour one weather system can take out several dates at once.
Death of an immediate family member
Written in because it is a real and reasonable reason an artist withdraws, and an uninsured one otherwise.
Without it — A withdrawal nobody could criticize is still a full financial loss.
Where non-appearance shows up.
- Music Festivals
The tickets were sold on a headliner who can lose their voice like anybody else.
- Touring Artists & Bands
Illness on a routed tour takes several dates rather than one.
- Event Promoters
People bought tickets for a name, and refunds follow that name not appearing.
What clients with non-appearance ask us.
Who buys this: the artist or the promoter?
Usually the promoter, because the promoter carries the refunds and the committed costs. Artists and their management sometimes buy their own for loss of fee, and on a self-promoted tour both exposures sit with the same party. The contract normally says who is required to carry it; where it is silent, the party with the money at risk should.
Do the artists have to be medically examined?
For meaningful limits, frequently yes, and the requirement scales with the sum insured and the artist’s age and history. A declared pre-existing condition can usually still be covered, priced or excluded specifically. What causes trouble is an undeclared one, which turns the first claim into a disclosure argument.
Is drug or alcohol related withdrawal covered?
Generally excluded, and it is worth knowing rather than discovering. Rehabilitation, intoxication and anything a policy characterises as self-inflicted are standard exclusions in this class. Some markets will consider a buy-back on an artist with a documented period of stability, but it is underwritten specifically and never assumed.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.