Entertainers And Performers Insurance Delaware Policy Information
Entertainers And Performers Insurance Delaware. 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 DE 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 Delaware policy.
Entertainers and performers insurance Delaware protects your firm from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Why Do Delaware 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 Delaware 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 Delaware could protect you from financial ruin.
What Type Insurance Do Entertainers And Performers Need?
As an DE 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 Delaware 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 Delaware for your business that are not mentioned above.
DE Entertainers And Performers
Entertainers and performers insurance Delaware 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
DE Entertainers And Performers Insurance - The Bottom Line
With a the right Entertainers and performers insurance Delaware 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.
Delaware Economic Data & Commercial Insurance Regulations
For entrepreneurs who are thinking about starting up a business in Delaware, it is important to have an understanding of the state's economic outlook, as well as the regulations and limits regarding commercial insurance. With this information, you can determine if DE is, in fact, a wise location to start your business.
Below, we offer a brief overview of Delaware's economic status and the rules relating to commercial insurance.
Economic Trends For Businesses In The State Of Delaware
Delaware is home to more than 1 million businesses. This includes over half of all of the publicly traded companies in the United States, and 64 percent of the country's Fortune 500 companies. Delaware is such an appealing place for entrepreneurs because the state offers flexible corporate laws and a government that is very friendly to business owners.
The economic outlook of DE has become softer. As such, Delaware has moved down eight spots on the Forbes' Best States for Business list. The costs of operating a business are about 21 percent lower in Delaware than the national average. It is also one of the lowest ranking states in regard to labor costs. With that said, job growth is expected to reach .8 percent by the end of the 2020 calendar year. The unemployment rate is expected to remain lower than the national average, at an estimate 4.7 percent.
The industries that contribute the most to Delaware's economy include:
- Hotel & Hospitality
It is expected that these industries will continue to see growth, but there is a need for more skilled labor in these areas.
DE Commercial Insurance Regulations
The Delaware Department of Insurance regulates the insurance industry in DE. Commercial liability insurance, commonly referred to as general liability insurance, is the most common type of coverage that business owners carry. In the state of Delaware, business owners are not required to carry this type of coverage in order to operate. This state is considered a modified comparative fault state that has a negligence standard of 51 percent. The government does not put any caps on awards that are offered to those who file personal injury lawsuits against businesses in Delaware. As such, it is wise for business owners in this state to invest in commercial liability insurance, even though it isn't required.
Business owners are required to carry workers compensation in Delaware. This includes businesses that employee one or more hourly or salaried W2 employees.
Additional Resources For Arts & Recreation Insurance
Read up on small business arts and recreation commercial insurance.
- Disc Jockey DJ
- Entertainers And Performers
- Event Planning
- Film Production
- Interior Decorator
- Interior Design
- Photo Booth
- 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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Also learn about Delaware small business insurance requirements for general liability, business property, commercial auto & workers compensation including DE business insurance costs. Call us (302) 273-0433.