We will have to keep this article short and sweet this week, as we were pounded with our first snow storm of the season on Monday. I was able to walk to work, but my trusty staff got a snow day. I know that both of them kept busy anyway, but that is life in Minne-SNOW-da!
For those of you following me and my family on Facebook, you may know my son DJ (who is a clown with the Blue Unit of Ringling Bros. and Barnum & Bailey Circus) fell from a two-man-high (standing on an acrobat’s shoulders) and seriously broke his arm November 1st. He flew home for surgery and is now recuperating nicely.
Sadly, it takes an incident like this to bring me to this week’s topic: Insurance, AGAIN!
Now let’s talk about insuring your most important performance tool, yourself! You need to know you are covered.
Here is the deal: even if you have health insurance, you probably have a co-pay or a big deductible. Take the time to find out about your coverage.
Why is this a clown newsletter topic? You probably don’t realize how little you are covered, and how much you stand to lose even if you are only a part-time clown.
Things you may not know…
- Workman’s Compensation insurance only covers roughly 60% of your paycheck.
- If you get hurt at work your medical bills may be covered, but that other 40% could be a real problem.
- If you get hurt outside of work you stand to loose your income, your part time clown income, and be socked with crazy medical bills. In the winter there are tons of auto accidents. It only takes one crash to turn your life upside down.
No matter how old you are. If my son would have had it, they would have handed him a check for 4000.00. The monthly premiums are low. I suggest you check them out.
But buyer beware! Some companies (the one with the duck!) do not pay if you get workman’s compensation. Remember that 40% gap! Shop wisely and make sure you are covered for your lost wages as a normal person and for all the jobs you may lose if you clown for pay. I personally recommend Family Heritage. If you don’t have a claim they refund your premiums. It is a well-respected nationally-known company with a great history.
Regardless of who you use, please get covered. You and your family will be glad you did! DJ now has his policy, and we will get Julia signed up soon.
Thank you for your prayers and good wishes for DJ’s speedy recovery.
We are getting ready for another round of snow this week.
But don’t worry. If you place an order it will get taken care of…remember I walk to work! No drifts are too high for my snow boots.
BONUS TIP: How to wrap up business like a pro
Do you have any business advice for clowns? Do you have a personal story to share about how insurance saved your clowning? Write a comment below or post it to our Mooseburger Clown Arts Education Facebook Page
Read more practical tips for dealing with emergencies and accidents:
- Insure your clown supplies
- When accidents happen: send in the clowns!
- What do you do in a emergency during a clown gig?
- Depression: when funny just isn’t enough
- Limber up and protect your clown body
- Be prepared for taxes
- Plan ahead to prevent uh-ohs in your club or business