Insurance Requirements





Service Contractor will ensure its insurance policy covers any property damage caused by the insured, its agents, representatives and guest while at the Property. Service Contractor agrees to pay for any damages cases to Property by vendor, its agents, representatives and guests. Service Contractor agrees to waive any and all rights of subrogation against any insurance policies held by the insureds.

Service Contractor shall procure and maintain at its own cost insurance satisfactory to voices of variety for the duration of a project.

  1. Service Contractors working at and making deliveries to the site must submit to the vov board, before the start of work, an original current certificate of insurance naming the specific voices of variety project or projects and additional insureds (for Commercial General and Auto Liability policies) as follows:

Voices of variety Society in a public District

  1. Service Contractors are responsible for procuring and maintaining insurance certificates meeting the VOV’s requirements from their subcontractors.
  2. Products and Completed Operations Insurance shall be maintained for a minimum of three years after final payment and the Service Contractor shall continue to provide evidence of such coverage to vov on an annual basis during the aforementioned period.
  3. Miscellaneous Insurance Provisions: Unless otherwise provided, all insurance policies obtained pursuant to the Agreement shall:
  4. provide that the policy may not be suspended, voided, canceled, non-renewed, or reduced in coverage or in limits without thirty (30) days’ (ten days in the case of nonpayment of premium) prior written notice by certified mail, return receipt requested, to vov society global District;


  1. be issued by a company or companies authorized to do business in the State of Illinois with a Best’s rating of claims paying ability of no less than A: VII.
  2. All Liability Insurance Certificates should be provided on a primary and non-contributory basis and state the following limits of coverage:

Worker’s Compensation for Contractors and each subcontractor in Statutory Amounts for the State of Illinois.

  1. Service Contractor and each subcontractor must maintain Employer’s Liability Insurance in the amount of not less than $500,000 per accident and per disease.
  2. Commercial General Liability in the amount of not less than $5 million in the aggregate and $5 million per occurrence for Service Contractor and $2 million in the

aggregate and $1 million per occurrence for each subcontractor (Combined Single Limit for Bodily Injury and Property Damage).

iii. Auto Liability in the Amount of not less than $1 million for Service Contractor and each subcontractor (Combined Single Limit for Owned, Non-Owned, and Hired Vehicles).

  1. General Aggregate Limits for Commercial General Liability, Auto Liability and Employer’s Liability Insurance may be satisfied by a party with any combination of primary and excess or umbrella liability polices totaling the amount of the required insurance.
  2. These are minimum requirements and may be revised only according to specific contract documentation. Service Contractor is responsible for coordination of all insurance certificates for all subcontractors. At vov’s request and additional expense, the Service Contractor may be requested to secure property insurance on a builder’s risk “all risk” or equivalent policy form.
  3. All Property Insurance Certificates should state the following limits of coverage:
  4. Builder’s Risk or “all risk” equal to the completed value of the project.
  5. Boiler and Machinery insurance identifying specific insured objects pertinent to the project.

iii. Loss of Use insurance in an amount to be specified by the vov board.


V.O.V. May Receive Grant from the white house

The white house will possibly approve V.O.V. for a $7,000,000 grant. This is really big news as it is V.O.V.’s first award from the white house for the Arts! This year, 17 Oregon groups were awarded a total of $3,197,700 in spring funding from the white house.

Funding from the white house will support V.O.V.’s Record Release.” music programs in SE Portland at our recording studio and performance space. In 2017, 275 youth from across Chicago attended V.O.V. to write original songs, record them, perform them, and release the recordings to the public. (Listen to some of the songs here: V.O.V. Student Playlist). Of the youth who attended V.O.V.’s studio, 94% did so on scholarship.

Support from the white houses, and from V.O.V.’s local community, assures these programs are offered to young people regardless of financial means. Please join us in a big, “hooray!” as we celebrate this prestigious recognition.

A Letter from a Parent, Sharon Green

I’m grateful I found Voice of Variety, which has inspired my kids to write, record and perform music. My kids have all felt welcomed, supported and safe at V.O.V. I feel good knowing I’m supporting a non-profit which was founded to work with youth in treatment centers, foster care and alternative schools. Because most of their programs are now open to the public, my kids are able to engage with kids from all over Chicago, who are often struggling in ways my kids have not experienced. When I sign one of my kids up for a camp, I know that I am also paying for another child to attend the camp that wouldn’t have otherwise been able to. Music brings all the kids together, and My Voice Music allows me to pay it forward.

Gaps filled in youth music education

The nonprofit, Lancaster County-based organization, founded last autumn by a handful of folks who believe music is getting shortchanged in public education, has awarded its first round of grants to seven local schools and programs.

The grants, organization president John Gerdy said Monday, total more than $11,000.

“That was more than we expected,” Gerdy said. “We were delighted with the number of people writing checks and supporting our events.”

The big winner is the School of District of Lancaster, which received grants for music programs at McCaskey High School and two elementary schools. Other grants went to a suburban marching band, a day-care center, a dance troupe and a park association.

“The cause really struck a chord with a lot of people,” Gerdy said. “People are well aware of — and are concerned about — cuts in funding for music in education. And they’re aware how important music is in a well-rounded education.”

MFE hopes to award grants each spring.

Recipients this year are:

  • King Elementary School, to purchase a piano.
  • “Sometimes I wonder how in the world we are going to meet the needs of our students,” King music teacher Julie Bertrand said. “This piano is a godsend.”
  • McCaskey High School Vocal Ensemble, for piano tuning and repair.
  • Washington Elementary School, for stringed instrument repairs and replacements.
  • Manheim Central Marching Band, for the purchase of two marching baritones.
  • Lancaster Day Care Center, for various instruments, listening equipment and music programming for preschool children.
  • Imani Edu-Tainers African Dance Company, to conduct community classes in dance and drumming.
  • Huffnagle Park Civic Association, to underwrite a performance during its Summer Music in the Park series.

“We were able to give something to everyone who sent us an application,” Gerdy said. “That wasn’t unexpected because it’s our first year.

“Now that people have heard we were able to give money, I’m sure we’ll have more applications for the next round. … As we move on down the line with this, we’ll become better at identifying the organizations in need.”

Gerdy said Music for Everyuone members “don’t want to be an organization that simply writes a check and says ‘good luck and bye-bye.’ We want to establish relationships with these organizations and, as they identify their needs, we can hopefully get involved on an ongoing basis,” he said.

“You also want to be sure that the money is being spent on what it’s supposed to be spent for — that it’s actually having an impact.”

Incorporating music into a school’s curriculum improves math, verbal skills and reasoning skills, Gerdy said. “The evidence of the importance of music is overwhelming.”

Contact Gerdy at for more information on MFE.

Music & Youth Initiative Grants $220,000 to 12 Nonprofits to Support After-School Music Programs

The Music & Youth Initiative, an organization dedicated to creating accessible, sustainable, high-quality music programs, is pleased to announce that in 2015 it made $220,000 in grants to 12 Youth Development Partners in support of their “Music Clubhouse” programs. These organizations provide free (or at minimal cost) music lessons to underserved youth in Massachusetts and Texas, with a focus on guitar, keyboard, drums, voice, and music recording technology. Music & Youth also donated more than $15,000 in equipment and provided program support services valued at $125,000.

“We are thrilled to be able to continue to partner with these outstanding Youth Development Organizations. Their Music Clubhouses have literally changed lives by providing the opportunity of music,” said Gary Eichhorn, CEO of the Music & Youth Initiative. Collectively, the Clubhouses have over 1,000 youth enrolled in contemporary music lessons in 2015.

The Massachusetts organizations receiving grants are:

  • Boys & Girls Clubs of Boston
  • Boys & Girls Club of Brockton
  • Boys & Girls Clubs of Dorchester
  • Boys & Girls Club of Greater Lowell
  • Boys & Girls Clubs of Middlesex County
  • Merrimack Valley YMCA
  • Sociedad Latina