Event Insurance for House Concerts

donation boxGreat to hear from you. The typical questions we get about insurance have to do with liability e.g. if someone slips and falls on your property.  I’ve never had someone ask about insurance that would be specifically about recouping damage to the home itself.

 

We have always discouraged hosts from keeping a percentage of donations, for a couple of reasons. One, to protect the culture of house concerts, which are an act of generosity. Enabling hosts to “cover expenses” is a slippery slope to acting like a commercial venue. We believe that house concert expenses are voluntary – you don’t have to provide booze, sound system, and catering… you can potluck, byob, and have artists bring what they need.

 

The second reason is legal. While there’s no case law on the matter*, we believe a host is on much firmer ground if 100% of donations go the artist. Anything else could suggest commercial activity in the home – which can violate homeowner’s insurance, zoning, and more.

 

Event insurance can range from $60-600 per event, and it’s fairly easy to shop around online for it. Here’s one. https://www.theeventhelper.com/
Hope this helps!
Fran

 

On Wed, Jun 21, 2017 at 12:35 PM, Beth Fizell-Jenkins wrote:
Begin forwarded message:

I’ve been working with a friend to do some house concerts at her home. She had a problem with the last show we did – she had a faulty faucet that someone accidentaly left on, and the sink overflowed and caused about $10K worth of damage to her house. Unfortunately she had an issue with her homeowners – didn’t realize that her deductible was outrageously high, but she just renegotiated and now it’s just $1000 which is much more reasonable.

She’d like to continue doing concerts, but she wants to make sure she’s protected, and she doesn’t want to pay out of pocket for supplies. Is there any kind of protocol – any way to get affordable insurance for the shows? Alternatively, I was thinking the host takes like 5 or 10% from the door of each show to fund an escrow account that the host can use to cover supplies, to cover damage or insurance, or to help pay expenses related to the concert series, that aren’t necessarily directly related to that night’s performance. Do you know anybody doing something like that?

When I ran shows, we always just paid the expenses out of pocket, but she’s a little concerned, and after the water damage issue she’s even more concerned. Wanted to get your thoughts on it.

Thanks,
B.

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House Concert Tour Contest: And the winners are…

 

We're thrilled to announce the final results of the 2nd Annual 2010 CIYH Video/Tour Contest. This year's winner, from Etobicoke Ontario, is Suzie Vinnick !!
In a virtual tie for second place are the duo Barnaby Bright (Brooklyn NY) and the trio Big Wide Grin (Mill Valley CA). Photos above are linked to their CIYH profiles.

The final round highlights:

45 CIYH hosts viewed all 30 song submissions from our 10 finalists for the final round of judging. The results were very close. All contestants garnered praise from many judges for their songs.

As our contest winners, Suzie, Becky & Nathan (Barnaby Bright) and Elaine, Lawrence & Karl (Big Wide Grin) will receive 5 and 10 gig circuits in the U.S. or Canada during May 2011. Circuit locations will be selected by January 31. (See full list of prizes below.)

Want to host the winners?

We've set up this nice page, where you can

  • see 4 videos from each act
  • see a map of hosts who are already interested
  • and you can email jeff to add yourself as an interested host for a show in May.

Visit the link and hear these wonderful artists, then let Jeff know where you are!

Thank you

to all of our artist entrants who collectively brought 220 videos to the first round of judging. Similarly, we thank each of the 80 judges who worked with us over the course of the contest, tirelessly and (based on their gushing comments) quite enjoyably.
 
The judges saw remarkable new talent well beyond the finalists, and some have said they look forward to booking these artists in the future. Of course, we'd love to know when that happens.
 
Thanks to each of you–artists and judges–for making the 2nd annual contest a great success. 
 
Jeff and Fran

Tours and Prizes

 

  • Grand Prize: Suzie Vinnick
    Ten-day regional house concert tour
    $500 in merchandise from D'Addario & Planet Waves
    PLS Lighting System from Q-Lighting ($350 value)
    $100 cash.
  • Second place: Barnaby Bright
    Five-day tour
    $250 in merchandise from D'Addario & Planet Waves
    Maestro from Q-Lighting ($40 value)
    $100 cash.
  • Third place: Big Wide Grin
    Five-day tour
    $250 in merchandise from D'Addario & Planet Waves
    Maestro from Q-Lighting ($40 value)
    $100 cash.

See additional contest details.

See the finalist videos and mp3s.

Thanks to our kind sponsors, D'Addario, Planet Waves, and Q-Lighting. Check out the special offer from Q-Lighting in our latest newsletter. Offer ends November 30th, 2010.

 

Get Help. (with your House Concerts)

This is part of a how-to-series from ConcertsInYourHome.com, written by Fran Snyder.

"Get Help" is a popular mantra in the mental health industry. If you've developed the mental disorder called "house concert host," then I suggest you pay heed. It is necessary for your long term health and your enthusiasm. 8^)

CIYH CREW shirt

The most common mistake among new hosts is failing to ask for help. Hosting shows in your home is not rocket science, but it does pose a handful of challenges. To face these challenges, the more energy you have available, especially at the beginning, the greater the chance your house concert series will lift off.  People = Energy

What kind of help should I get? You can ask for and receive all kinds of help, including;

Booking

The success and the enjoyment you and your friends derive from your house concerts largely depends on the quality of performers you book. Frankly, many hosts (especially the new) have no idea of the vast quantity of world-class talent that is available. While it might be wonderful to support local artists you already know, it's important to consider the phenomenal touring artists who could be looking for opportunities in your area. You owe it to yourself to be choosy, and to only select artists who make you confident that they will leave your audiences enthralled.

If that sounds like a lot of work, it doesn't have to be. Our website contains nearly a thousand artists, many of whom have a long track record of being great performers AND house-guests. Please look for the number of  "recommendations" in their profiles to read comments from hosts who've had these performers in their home.

Also, you can work with Jeff Robertson, our friendly agent, who can hand-pick some of our best acts to get your series started with a bang.

"…beyond my expectations. I'm still in awe that musicians of this caliber are willing to travel here for our personal concert with our friends. Thanks Jeff!" –  B. Hofbauer, OH

If you really want to go for it, you can attend regional music conferences to hear, meet, and connect with touring artists who would love to schedule shows with you. Folk Alliance has several regional conferences with dedicated forums to enjoy artists in small, personal spaces. Highly recommended, and don't let the word "folk" throw you – many, many genres are represented.

Organizing/Promoting


One of the most common challenges is getting the word out, and inspiring enough people to RSVP and attend the show.
Will this be easy for you? Many hosts find themselves surprised that their friends don't understand how much fun this will be.

Though we continue to create free tools for our hosts (eflyers, calendars, videos, etc.) – nothing beats having a few more boots on the ground. Your circle of friends is surprisingly small when you compare it to the collective circles of a handful of people. Don't do this alone!

Chances are, at least one or a couple of your friends, if properly approached, would LOVE to get involved with promoting your event. Personally invite them to take part in the event… send them links to the artist and see if they get inspired by the music and/or videos. Would they email 10-20 of their friends a personal invitation? Would they pitch the idea to some friends at work? At house concerts, a turnout of 4-6 extra people can make the difference between an O.K. turnout and a full house!

Furniture/Equipment

Most artists can travel with a small sound system, or do without one if the room is small enough. However, it is great to have access to a small P.A. (microphone, amp, speaker, etc.) when the need arises. These systems can be bought for $300-$1000, but that's probably not a worthwhile investment unless you do many shows each year. Someone you know probably has one.

Chairs, especially bar-stools (great for the back row) are one of the best things you can borrow from your next door neighbors. They might also have a few extra folding chairs if you need them.

The Right Space

One of the most common reasons that people don't feel they can host house concerts is because they think their home is too small. The beauty of house concerts, is that even modest homes can pull off worthwhile events. That said, if you aren't comfortable with your space, why not recruit/inspire a friend or family member who has a better "performance space" to get involved? You book the shows, and help host the events at THEIR house. However, much care should be taken to make sure they understand what they are getting into.

Setting Up/Running the Event

I've seen my share of stressed out hosts before an event. Between getting the house clean, arranging the furniture, setting out snacks and beverages, and handling last minute details, it's easy to feel overwhelmed before the artist even arrives. In the end, they are always happy with the result, but why take on more stress and work than you have to?

Consider inviting at least 2 or 3 guests to come early to help you set up. You can thank your "crew" with some fun shirts, choice reserved seats, pre-show meet and greet with the artist, or almost anything else. Money is not a good reward for these tasks – it takes the romance and the community feel out of the event. People are happy to pitch in for worthwhile things.

Here are some fantastic tasks to delegate or get help with.

  • moving furniture, setting up chairs
  • collecting money/donations
  • setting up food
  • serving drinks (in moderation)
  • making announcements
  • parking guide (if necessary)

Financial/guarantees

Many artists are happy to book shows without requiring a financial guarantee, especially if the host is offering a free meal and place to stay. However, even a modest ($100-300) guarantee can go a long way to offer piece of mind to artists who are incurring travel costs to get to you. Hosts only need to make up the difference between the guarantee and what is collected from donations, so the cost is usually minimal, and often "$0" if 20 or more guests show up.

However, some hosts feel better when they can offer a strong financial guarantee, and sharing that (voluntary) responsibility with a few friends is certainly an option.

Important: Please do not feel compelled to offer more than what you can comfortably afford to spend.

 

Sleeping Quarters

One of the most significant travel expenses for artists is lodging. It's a tradition (but not required) for hosts to offer a free guest room or basement futon for artists who perform at their house concerts. If this is awkward (e.g. a single mom hosting a male performer, or families with newborns), it's certainly acceptable to get a nearby friend or neighbor who has a better situation to host your guests overnight. These co-hosts should be friendly and flexible, and should be cheerful about helping. Otherwise, it's best to offer a local hotel or let the artist know ahead of time that sleeping accommodations are not part of your house concerts.

These are some ways you can get help. You'll find that sharing not just the events, but their responsibilities will deepen your friendships, enrich your community, and provide memories you'll cherish for a lifetime.

To join our community of house concert hosts (for free), visit ConcertsInYourHome.com.