Business Insurance for Performers and Entertainers

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Your primary goal is to entertain – another goal is to protect your business. Performer insurance helps cover employee injuries, lawsuits brought by dissatisfied customers, and other risks.

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Multiple quotes with one application

Insureon helps clowns, magicians, balloon artists, musicians, and other performers compare insurance quotes from top U.S. carriers online.

What types of insurance do performers and entertainers need?

These policies provide coverage for the most common risks of performing.

Business owner’s policy icon

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.

  • Audience injuries
  • Audience property damage
  • Damaged business property
General liability insurance icon

General liability insurance

This policy covers basic performance risks, such as an accident that injures someone in the audience. It's also called public liability insurance for entertainers.

  • Audience injuries
  • Audience property damage
  • Copyright infringement claims
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), can cover lawsuits related to your work, such as a canceled performance that costs a client money. It can be combined with a BOP.

  • Errors and oversights
  • Accusations of poor performance
  • Failure to perform as scheduled
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers financial losses when a performer's vehicle is involved in an accident. It's required for vehicles registered to a business.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability insurance

Cyber liability insurance helps performers and entertainers recover from data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other sensitive information.

  • Customer notification costs
  • Data breach investigations
  • Fraud monitoring services
Looking for different coverage? See more policies.

Why do performers and entertainers need insurance?

From stand-up comedy to balloon art, your goal is to delight your audience. However, independent contractors entertaining at special events or private parties face numerous risks. Entertainer insurance can safeguard against lawsuits sparked by a fire, a juggling accident, or claims that lyrics were plagiarized.

How much does insurance cost for performers and entertainers?

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Several factors will have an impact on insurance costs, including:

  • Type of performances
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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