Entertainers And Performers Insurance Arizona Policy Information
Entertainers And Performers Insurance Arizona. Whether you sing, dance, act, do impersonations, paint, juggle – or you're any other type of entertainer or performer – you live to make people happy. The thrill of seeing the joy that your art brings to the faces of others is priceless!
However, being an entertainer or a performer in AZ is a big responsibility, and one that is not free of risks. In your industry, you face a lot of the similar hazards that other professionals face; there are liabilities that are unique to your industry, too.
While you make every effort to ensure that the show goes off without a hitch, you never know when something that will come up that you weren't expecting. Fortunately, there's a way to protect yourself from the unexpected. How? By investing in the right type of entertainers and performers insurance Arizona policy.
Entertainers and performers insurance Arizona protects your firm from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Why Do Arizona Entertainers And Performers Need Business Insurance?
Whether you run an operation or you're an independent contractor, if you're an entertainer or performer, you're in charge of your business. Like any other business owner, you are liable for any mishaps that may arise.
If a member of your staff suffers a work-related injury, as their employer, you're responsible for their medical care and lost wages while they're recovering. If you damage someone's property – or even if someone claims you damaged their property – you are responsible for making any necessary repairs and the legal fees that could be associated with a lawsuit. If a fire breaks out in the business you operate your business out of, you have to pay for the necessary repairs.
The costs that are associated with the above-mentioned situations – or anything similar – can be astronomical. Imagine if you had to pay for them out of your own pocket? The end result could be crippling; your savings could be depleted, you could lose your business, and you could even lose your home, if you don't have the right entertainers and performers insurance Arizona policy.
If that doesn't sound appealing to you, then business insurance is an absolute must. If an unforeseen event does occur, instead of paying these expenses yourself, your insurance company will pay them for you. In other words, entertainers and performers insurance Arizona could protect you from financial ruin.
What Type Insurance Do Entertainers And Performers Need?
As an AZ entertainer or performer, the type of insurance you need depends on the specifics of your business; the type of work you do, where you are located, whether or not you employ a staff, etc. Do you entertain at local fairs, festivals, special events, private parties, convention or tradeshow booths or elsewhere? To determine exactly what type of coverage you require, your best bet is to speak with a reliable agent who specializes in commercial insurance.
While the specific entertainers and performers insurance Arizona you need will vary, here's a look at examples of some of the most basic policies that should be considered at the minimum:
- General Liability - This type of insurance covers third-party liability claims. For instance, if a client files a lawsuit against you, claiming that you damaged their property or caused personal injury, your insurance provider would cover the cost of any legal defense fees and damages that you may be required to pay.
- Commercial Property - Do you operate your business out of a commercial space? Whether it's a small office or a larger venue, you should invest in a commercial property insurance policy. If a fire breaks out, a pipe bursts and floods your office, or someone breaks, steals from, and vandalizes your space, commercial property insurance will cover the cost of most repairs. It will also help to pay for anything that needs to be replaced.
- Workers Compensation - Do you have a staff of performers, agents, managers, or anyone else who works for you? If so, you'll need to carry a workers' comp policy. If any member of your team suffers a job-related injury or illness, workers' comp will help to pay for the medical care that they require. It also covers any wages that may be lost while they're recovering and unable to work; among other associated expenses.
- Commercial Auto - Whether you use a single vehicle or an entire fleet for your entertainment business operations, commercial auto is a must, too. If you or a member of your team is involved in an accident, this policy will cover the cost of any damages that someone else's vehicle or property sustains.
In addition to these industry specific coverage types, you may need other types of entertainers and performers insurance Arizona for your business that are not mentioned above.
AZ Entertainers And Performers
Entertainers and performers insurance Arizona is designed for independent contractors entertaining at local fairs, festivals, special events, private parties, convention, or trade show booths. Coverages provided include important liability protection for the entertainer or performer for liability claims arising out of their operations.
Below are some examples of entertainers that should have business insurance:
- Acrobatic / Aerialist performer
- Actor Portraying Historical Person (Actual or Fictional)
- Actor or actress
- Balloon Artist
- Belly Dancer
- Caricature Artist
- Celebrity Look-a-like
- Circus performer
- DJ / Karaoke DJ
- Escape artist
- Exotic dancer
- Face/body painter
- Fire handler
- Group acts or bands
- Henna/Mehndi artist
- Holiday character
- Individual musician/singer/vocalist
- Ineligible Operations
- Mascot (college, high school, professional)
- Performer putting on an athletic exhibition
- Performer using weapons (with live ammunition or sharpened blades)
- Permanent tattoo artist / body piercing artist
- Production/entertainment companies
- Psychic/fortune teller
- Public speaker
- Rap, hip hop, electronic/techno or heavy metal/screamo entertainer, performer or DJ
- Singing telegram deliverer
- Story teller
- Strength performer
- Stunt performer
- Touring entertainer/performer
- Western Performer
AZ Entertainers And Performers Insurance - The Bottom Line
With a the right Entertainers and performers insurance Arizona policy, you will be covered should your act cause damage to another person's property, or if you injure someone during your act. Without a liability policy, any claims resulting from your act will come out of your own pocket. To find out exactly what type of coverage you need and how much you should invest in, speaking to an experienced commercial insurance broker.
Arizona Economic Data, Regulations And Limits On Commercial Insurance
Anyone who is thinking about starting a business knows that choosing the right location for their operations is essential. The right market and a demographic that will benefit from and be interested in purchasing the products and services a business offers is crucial for the success of an organization. If you're considering Arizona as the location for your company's headquarters or a new division of your business, it's imperative that you make sure the state offers a climate that will allow your operation to thrive.
By analyzing the employment rate and the key industries that are thriving in the state, you can determine if Arizona will be a suitable location for your business. It's also important to be aware of the forms of commercial insurance coverage business owners are required to carry. Below, we look at all three areas to help you decide if the Grand Canyon State is the right place for you to establish a business.
Economic Trends for Business Owners In Arizona
The unemployment rate in Arizona is higher than the national average; as of May, 2020, the rate was 4.9 percent, while the national average as 3.6 percent. However, compared to 2009, when the rate was 10.9 percent, there has certainly been a decrease in the rate of unemployment.
Urban areas are the ideal locations for businesses in the Grand Canyon State, such as Phoenix, Tempe, Scottsdale, and Chandler; but, smaller areas offer promise, too. Payson, Snowflake, Flowing Wells, and Cottonwood are just some of the smaller locations that are seeing economic growth in Arizona.
There are several key industries that are thriving within the state, including:
- Aerospace and defense
- Bioscience and health care
- Film and digital media productions
- Professional and business services
- Technology and innovation
- Trade, transportation, and utilities
Commercial Insurance Regulations In AZ
The Arizona Department of Insurance regulates insurance in Arizona. Commercial insurance is vital for a business, as it protects the interests of all who are involved with the organization; owners, employees, customers, and vendors. Like any other state, certain forms of commercial insurance are mandated in Arizona, meaning business owners are legally required to carry these policies.
All employers are required to carry workers' compensation insurance, as it provides coverage for work-related accidents and illnesses that employees sustain. Commercial liability insurance, which covers third-party personal injury and property damage liability claims, might also required for certain licenses.
For establishments that sell alcohol, liquor liability insurance is a legal requirement. Lastly, companies that rely on vehicles for business-related purposes (truckers, etc.) must carry a commercial auto insurance policy to protect the drivers of their commercial vehicles, as well as other drivers on the road.
Additional Resources For Arts & Recreation Insurance
Read up on small business arts and recreation commercial insurance.
- Dance Studio
- Disc Jockey DJ
- Entertainers And Performers
- Event Planning
- Fairs And Fairgrounds
- Film Production
- Fine Art
- Interior Decorator
- Interior Design
- Photo Booth
- Recording Studio
- Talent Agency
- Wedding And Special Event
Commercial insurance policies for arts, entertainment and recreation are specialized policies that protect against the unique risks that arts and recreation businesses face.
Performing artists and companies, entertainers including musical groups, theatre groups, comedians and more, writers, performers, photographers, videographers, DJ's and so many other types.
Professional liability coverage (errors and omissions) is needed in these cases to protect their financial interests due to mistakes, errors or omissions by these professionals in doing their jobs. Fr example - a bride and groom did not like the way their wedding photos turned out.
Or a wedding planner might plan a lavish wedding, but the bride's parents who are paying for it did not like the way it went. There is a lot of gray areas with arts, and you need to be protected if your clients don't agree with you that your work was what the agreed to.
If your business is involved with children, you need to review your coverages very carefully so certain important protections are not excluded. Abuse and molestation insurance might be needed to fully protect yourself in this instance.
Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.
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