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

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
Damaged business property

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.

BEST FOR

Audience injuries
Audience property damage
Copyright infringement claims

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.

BEST FOR

Errors and oversights
Accusations of poor performance
Failure to perform as scheduled

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. It's required 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 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.

BEST FOR

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?

Business professional in a tie calculating the cost of insurance.

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

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

View Costs

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant