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Permalink Reply by Bearclaw Manufacturing - Tedward on February 7, 2012 at 11:34pm

You get insurance through special insurers.

Liability insurance basically pays out if you damage someone or something (even emotionally).  

For an exact definition, you should ask an insurer.

You can find an insurer here: http://www.nafaa.org/fire_ins.html

Most likely, you'll legally need insurance every time you light up.  In practice this tends to be more of an issue when you're doing corporate gigs.  I've needed it for things like our legal spin jam space, or when performing at amusement parks, etc. but not for most backyard gigs or practices.

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Permalink Reply by Calypso Moon Hooper on February 8, 2012 at 12:08am

it is fairly inexpensive like 100$ for 6 months it varies from state to state and you can even get it for just a day. Just because you have insurance does not give you permision to light up at festivals though. You wld have to ok that with the owners of whatever event you are planning to fire spin at. Alot of fire spinners we see at festivals are paid performances. Some people just light up and dont obbey the rules of safety which I dont reccomend!

 

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Permalink Reply by Martika* of MartikasMysticDesign on February 8, 2012 at 9:55am

I have insurance through S.A.F.E. Group, it's a small business owned by the one of the nicest fire spinning couples I've ever met. It's only $125 for a whole year and they do have reduced rates for 6 months of insurance. It's based in overland park, ks but they do help spinners in other states.

http://www.wearesafe.org/

Also even if you get fire spinning insurance some festivals are iffy on letting anyone burn, most bigger festivals are pretty open about letting people burn but I'd check first. Email around till you get an answer.

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Permalink Reply by Nicole Colindres on February 8, 2012 at 12:09pm

They have a $60 special right now!

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Permalink Reply by Heather on February 12, 2012 at 4:00pm

awesome thank you soooo much for your help!

60$ is a steal compared to other insurers

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Permalink Reply by Bearclaw Manufacturing - Tedward on February 12, 2012 at 8:08pm

Not really, they all pro-rate for the end of the year.  You'd probably be better served waiting until April (if you can) an seeing how next years rates compare.

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Permalink Reply by Heather on February 12, 2012 at 11:12pm

oh thanks I didn't realize it only lasted til April 30th.. thought it was for a full year

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Permalink Reply by Bearclaw Manufacturing - Tedward on February 13, 2012 at 1:12am

All of the insurance companies go from one calendar date to the next year.  Most are around the end of April to the beginning of May.  the reason why you get it cheap now, is because you're only paying for a partial year, yup.  usually the break points are at 3 months, 6 and 9 months from the start date.  So if April 30th is your date.  then You should expect reductions on July 30, Oct 30, and Jan 30.  Though it's possible that they'll only have the half year deduction in October.

AFA kinda screwed the pooch on that one.  Their cycle starts may 5th which means they don't get those last minute hits in october for Halloween.  Specialty is still king of the fright fest fix.  Their reduced rates kick in Oct 25th, so plenty of time for processing and such.

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