In an effort to make the process of insuring your production simpler, we have compiled a series of answers to commonly asked questions.

1 How many productions are we insured for?
Your NODA Scheme policy provides cover for all the productions and one night concerts your Society performs in the year. There is no limit to the number you can do.

2 Are volunteer helpers covered?
In respect of the Personal Accident section, this cover only applies to those under 80 and provided they are declared under the number of persons insured. Personal Accident cover does not apply to persons professionally employed in the arts and entertainment industry.

3 What is the difference between Public Liability and Personal Accident?
Basically, Public Liability covers your legal liabilities arising out of negligence to persons and their property. Personal Accident covers officials, members and voluntary helpers for accidents (regardless of whether the Society are negligent) arising out of the Society's activities.

4 What is member to member liability?
If one Society member causes bodily injury to another Society member, the injured member would not be able to hold the Society responsible under the insurance because, being a member of the Society they would be suing themselves! Your NODA scheme policy has been extended to provide this cover, this is known as Member to Member Liability.

5 Are orchestras covered?
If you hire one for a production the Liability sections of the policy cover your legal liability. If they are Society member's or are volunteering their service then they are covered under the Personal Accident section and the Liability sections cover the legal liability of the Society.

6 Are we covered if we hire a building to put a show on?
Yes, the Public Liability Section provides indemnity in those circumstances.

7 Can we increase our Public Liability limit to £5 million?
Yes. We offer £2 million as standard. For an additional charge this can be increased to £5m. Should you require a higher limit please refer to Lloyd & Whyte Ltd

8 Are banners covered under the Public Liability Section?
Yes. Subject to the Council's acceptance of the Limit of Liability. Please note that banners are not covered for theft under the Property Section while on public display.

 9 Will the Personal Accident Section accommodate members over 75 years of age?
Yes. The age limit is now 80 years of age. There is no lower age limit, but remember weekly benefits are not payable to those not in employment.

10 Can we increase our Personal Accident benefits?
Yes, you can double your benefits for an additional premium.

11 Can we cover hired costumes and scenery under the Property Section
Yes. Your Property Section automatically covers any items like this that you are responsible for, providing the total sum insured is adequate.

12 Is property covered in transit?
Property is covered anywhere in the United Kingdom whilst it is in transit.

13 Can we go abroad with our Society?
Yes. Just let us know where and when. In certain areas a small premium may be payable.

14 What does the Abandonment Section cover?
Putting on a production can cost a lot of money with costume hire, advertising, printing etc. If for any reason beyond your control (e.g. the council closing the theatre, power cut etc.) you cannot put on your production, the Abandonment section will ensure that your costs are covered. The standard policy limit is £1,000, but this can be increased for an additional premium. The section also covers replacement of principals through illness.

15 How much should we insure for under the Abandonment Section?
Basically, the maximum amount for costs you will not be able to recover if the show is abandoned. Please note however anticipated ticket sales cannot be claimed for, nor anticipated revenue from sale of confectionery etc. Actual cost only.

16 Can we insure for Abandonment for open air performances?
Yes, but we cannot cover Abandonment due to the weather, given Britain 's temperamental climate!

17 Are we covered for rehearsals?
In addition to as many production and concerts that you choose to do, you are also automatically covered for all the rehearsals as well.

18 Are we covered for summer fairs, jumble sales and other fund raising events?
Public Liability provides indemnity for ancillary activities organised by the Society but it is best to inform us of any such activities beforehand.

19 Does Public Liability cover incidents arising from any products or souvenirs sold or supplied?
No, but we have now added Products Liability as part of the standard policy, and therefore you are protected (under the terms of the policy) if you sell products, programmes or souvenirs as part of a production.

 20 If an authorised society official steals money is this covered under the money section?
No. Loss resulting from an act of fraud or dishonesty by an authorised society official is not covered under the money section. Additional cover for this is known as Fidelity Guarantee and is available as an optional extension.

21 Can we use replica blades and fire arms in productions?
Yes, but, you must comply with current legislation and follow prop company guidelines. Further details on this are available through NODA: 0870 770 2480. If an incident arises whereby either a society or audience member is injured as a result of a scene featuring a replica weapon then assuming all legislation and guidelines were
followed and negligence can be proven, liability will be met under the relevant section of the policy.

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