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INSURANCE
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by reason of such employment. The premium is based on the actual payroll, and the rates are based on the class of operation. Premiums are reduced where experience justifies a decrease or on the other hand they may be increased if experience is unfavorable. Safety methods and the prevention of accidents determine such reductions.
PUBLIC LIABILITY
Public Liability Insurance is a form that no theater should be without. It protects the theater against claims for physical injuries to the public as a result of the operation of the theater, and is covered in different classes, which may be enumerated as follows :
1. Owners', Landlords' and Tenants' Liability is protection against claims made against any of the three mentioned parties, by reason of injuries occurring in the theater building, or on the sidewalks or alleys adjoining or surrounding it, or it may cover certain types of accidents away from the premises which are the result of the business carried on. This insurance covers claims which may arise by reason of tripping over floor coverings, falling down stairs, or similar accidents, which are likely to occur in or about a theater building.
2. Elevator Liability Insurance covers personal injuries caused by the operation of elevators, escalators, or other lifting apparatus, such as elevated orchestra lifts, etc., depending on the coverage shown in the policy. The amount to be carried must be determined by the management, after taking into consideration the type and number of people who would use such lifting facilities, and the size of the theater. Inspection service given by the insurance companies is of the greatest value here, and their recommendations should be carried out.
3. Rain Insurance is a special protection when a management wishes to provide against loss due to rain at the time of an important or costly attraction, fearing that the inclement weather may affect the attendance at the theater. The rates vary, depending upon the time covered and the extent of the protection desired. The management should bear in mind,