Entertainers And Performers Insurance Policy Information
Entertainers And Performers Insurance. 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 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 policy.
Entertainers and performers insurance protects your firm from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked entertainers and performers insurance questions:
- What Is Entertainers And Performers Insurance?
- How Much Does Entertainers And Performers Insurance Cost?
- Why Do Entertainers And Performers Need Business Insurance?
- What Type Insurance Do Entertainers And Performers Need?
- What Does Entertainers And Performers Insurance Cover & Pay For?
What Is Entertainers And Performers Insurance?
Entertainers and Performers Insurance is a type of liability insurance designed to protect entertainers, musicians, actors, and other performers from financial loss due to accidents, injury, or property damage during performances. It covers losses related to performance cancellations, event cancellations, and other unforeseen events.
This insurance can also provide coverage for third-party property damage, personal injury, and other losses resulting from the performance. The coverage can vary depending on the specific policy, but it is an essential form of protection for entertainers and performers who face unique risks and liabilities in their line of work.
How Much Does Entertainers And Performers Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small entertainers ranges from $27 to $59 per month based on location, services offered, payroll, sales and experience.
Why Do 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 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 could protect you from financial ruin.
What Type Insurance Do Entertainers And Performers Need?
As an 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 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 for your business that are not mentioned above.
Entertainers And Performers
Entertainers and performers insurance 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
What Does Entertainers And Performers Insurance Cover & Pay For?
Entertainers and performers may be sued for a variety of reasons, such as:
- Copyright Infringement: Entertainers may be sued for using copyrighted material without permission or for unauthorized use of someone else's intellectual property.
- Personal Injury: Performers may be sued for accidents or injuries that occur during their performances, such as a stunt gone wrong or a slip and fall on stage.
- Defamation: Entertainers may be sued for making false statements that damage someone's reputation or character, such as through a controversial comment or a defamatory song.
- Breach of Contract: Performers may be sued for failing to fulfill their contractual obligations, such as not showing up for a scheduled performance or not delivering a promised product.
To protect themselves from these types of lawsuits, entertainers and performers can obtain insurance policies such as:
General Liability Insurance: This insurance covers bodily injury and property damage caused by the performer or entertainer during a performance. For example, if a performer accidentally injures a member of the audience during a show, general liability insurance can help pay for the medical bills and any legal fees that may arise from a lawsuit.
Copyright Infringement Insurance: This insurance can help cover legal costs associated with copyright infringement claims, such as unauthorized use of a song or artwork in a performance.
Errors and Omissions Insurance: This insurance protects entertainers against lawsuits arising from errors or omissions in their work, such as breach of contract or failure to deliver a promised product.
Personal Injury Insurance: This insurance can help cover legal fees and damages arising from personal injury claims, such as accidents or injuries that occur during a performance.
For example, if a performer is sued for copyright infringement, their copyright infringement insurance policy can help pay for legal fees and damages. If an entertainer is sued for defamation, their general liability insurance policy can help cover the costs of a settlement or judgment. If a performer is sued for personal injury, their personal injury insurance policy can help pay for medical expenses and other costs associated with the injury.
In summary, entertainers and performers can protect themselves from a wide range of lawsuits by obtaining various types of insurance coverage that can help pay for legal fees, damages, and settlements.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7929 Bands, Orchestras, Actors, and Other Entertainers and Entertainment Groups
- NAICS CODE: 711130 Musical Groups and Artists
- Suggested Workers Compensation Code(s): 9156 Theater NOC - Players, Entertainers, or Musicians
Description for 7929: Bands, Orchestras, Actors, and Other Entertainers and Entertainment Groups
Division I: Services | Major Group 79: Amusement And Recreation Services | Industry Group 792: Theatrical Producers (except Motion Picture)
7929 Bands, Orchestras, Actors, and Other Entertainers and Entertainment Groups: Establishments primarily engaged in providing entertainment other than live theatrical presentations. These establishments include bands, orchestras, and entertainers.
- Classical music groups or artists
- Concert artists
- Dance bands
- Drum and bugle corps (drill team)
- Entertainment groups
- Jazz music groups or artists
- Performing artists
- Popular music groups or artists
- Symphony orchestras
Entertainers And Performers Insurance - The Bottom Line
With a the right Entertainers and performers insurance 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.
Additional Resources For Arts & Recreation Insurance
Read up on small business arts and recreation commercial insurance.
- Amusement Parks
- Archery Ranges
- Athletic Fields
- Billiard And Pool Halls
- Bowling Alleys
- Cave Tours
- Dance Studio
- Disc Jockey DJ
- Drive-In Theaters
- Entertainers And Performers
- Event Planning
- Fairs And Fairgrounds
- Film Production
- Fine Art
- Guides & Outfitters
- Handball & Racquetball Courts
- Horse & Dog Racetracks
- Indoor Sports Complexes
- Interior Decorator
- Interior Design
- Motorsports Racetracks
- Photo Booth
- Recording Studio
- Recreation Centers
- Riding Stables
- Roller Sakting Rinks
- Shooting Ranges
- Skeet & Trap Shooting Ranges
- Ski Resorts
- Talent Agency
- Tennis Centers
- Video Arcades
- Wedding And Special Event
- Specialty Arts And Antiques
- Specialty Clubs And Leisure Time Activities
- Specialty Entertainment
The arts and recreation industry is a vital part of our society and culture, providing entertainment and enjoyment for people of all ages. However, as with any business, there are inherent risks and potential liabilities that can arise. This is where insurance comes into play.
One of the main reasons the arts and recreation industry needs insurance is to protect against financial losses due to accidents or injuries. For example, if a performer is injured while rehearsing or performing, their medical bills and lost wages could be significant. Without insurance, the cost of these expenses could potentially bankrupt a small arts organization.
In addition to protecting against accidents and injuries, business insurance can also cover damages or losses due to weather events, natural disasters, and other unexpected circumstances. For example, if a theater is forced to cancel a performance due to a power outage or extreme weather, insurance can help cover lost income and expenses.
Another important aspect of commercial insurance for the arts and recreation industry is liability coverage. This type of insurance can protect against legal claims and lawsuits if someone is injured or becomes ill while attending an event or using facilities. For example, if a patron slips and falls at a theater, they may file a lawsuit against the venue for damages. Liability insurance can help cover the costs of legal fees and any settlement or judgement.
Overall, the arts and recreation industry needs insurance to protect against financial losses and legal liabilities that can arise in the course of business. Without commercial insurance, small arts organizations and recreational facilities could be vulnerable to financial ruin in the face of unexpected events or accidents.
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.