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Why do entertainers and performers need insurance?
Whether you perform as a magician, a singer, Santa Claus or a clown, your goal is to delight your audience. However, providing entertainment at special events and private parties comes with numerous risks. Entertainer and performer insurance provides financial protection against accidental injuries, damaged property, and claims that material was plagiarized.
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Insureon helps musicians, comedians, and other types of entertainers and performers compare insurance quotes from top-rated providers.
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What types of insurance do performers and entertainers need?
These insurance policies cover the most common risks of performing.
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for performers.
BEST FOR
- Audience injuries
- Audience property damage
- Stolen or damaged business property
General liability insurance
This policy covers basic performance risks, such as a juggling accident that injures someone in the audience. It's also called public liability insurance for entertainers.
BEST FOR
- Audience injuries
- Audience property damage
- Slander and other advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), covers liability claims related to your work, such as a puppeteer who is sued for canceling a performance. You can often combine it with a BOP.
BEST FOR
- Errors and oversights
- Accusations of poor performance
- Show cancellations
Workers’ compensation insurance
Most states require workers' comp for entertainment businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance covers financial losses when a performer's vehicle is involved in an accident. Most states require this coverage for vehicles registered to a business.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps mimes, body painters, ventriloquists, and other performers recover from data breaches. It's recommended for any business that stores personal information.
BEST FOR
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does insurance cost for professional service businesses?
A performer with minimal risks, such as a children’s storyteller, can expect to pay less for insurance than a higher-risk performer, such as a juggler.
Factors that affect professional services premiums include:
- Services offered, such as musical or acrobatic performances
- Business property and equipment
- Business income
- Types of insurance purchased, such as inland marine for mobile property
- Aggregate and per-occurrence limits
How do I get entertainer insurance?
It's easy to get performer and entertainer business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your entertainment business, whether you work as an independent contractor or hire employees.
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