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Entertainers & Performers

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This insurance program is specifically designed for US based entertainers and performers who work on an independent contractor basis entertaining at local fairs, festivals, special events, private parties, convention or tradeshow booths. Coverages provided under this program include important liability protection for the performer for liability claims arising out of their operations.

Bands and Performing Groups click here for an application.

The following criteria must be met to be eligible for consideration of coverage under this program:

  • Entertainer or performer must be at least 18 years of age.
  • Annual gross income from the performer's activities can not exceed $100,000

NOTE:  This program only provides coverage for your individual operations as an entertainer/performer.  The policy does not extend coverage for activities conducted by employees or anyone else assisting or performing on your behalf.

Eligible Operations
This list does not encompass all entertainers/performers that may be eligible for coverage. If the type of entertainer or performer is not listed in the eligible or ineligible listing, please contact our office at 1-800-328-2317 for classification.
-Actor Portraying Historical Person (Actual or -Juggler
-Balloon Artist-Mime
-Belly Dancer-Musician, singer or vocalist
-Caricature sketching
-Celebrity Look-a-like-Psychic/fortune teller
-Clown-Public speaker (subject to review and approval by us)
-Conductor-Story teller
​Theatrical performer (single event option only)
​Trade show/promotional model (subject to review and 
-Face/body painter (FDA approved/compliant paint only)

approval by us)
-Holiday character
-Western Performer


Ineligible Operations

-Acrobatic/Aerialist performer-Performer putting on an athletic exhibition
-Actor or actress-Performer using weapons (with live ammunition
-Circus performeror sharpened blades)
-Cosmetologist/Beautician-Permanent tattoo artist/body piercing artist
-Escape artist-Production/entertainment companies
-Exotic dancer-Public speaker (unless reported and approved by K&K)
-Fire handler-Pyrotechnician
-Group acts or bands-Rap, hip hop, electronic/techno or heavy metal/screamo
 -Henna/Mehndi artistmusical entertainer, performer or DJ
-Hypnotist-Strength performer
-Mascot (college, high school, professional)-Stunt performer
-Model (unless reported and approved by K&K)-Touring entertainer/performer

Coverages Available

Commercial General Liability 
-Bodily Injury and Property Damage  
-Medical Expense  
-Damage To Premises Rented to You  
-Products-completed Operations  
-Bodily Injury to Participants
-Medical Payments for Participants  
-Broadening Endorsement Included

Notable Exclusions:

-Abuse or molestation or exploitation
-Sexually transmitted disease
-Any events or activities involving or promoting tobacco or
-Silica or silica-related dust
-Specified recreational activities - Aircraft/hot air balloon;

Airport; Amusement devices: The ownership, operation,
-Athletic activity

maintenance or use of any device or equipment a person rides
Body surfing and/or mosh pits
for enjoyment, including, but not limited to: mechanical or 
Cap on losses from certified acts of terrorism

non-mechanical ride, slide, or water slide (including any ski
Commercial general liability standard exclusions

or tow when used in conjunction with a water slide), inflatable
(CG0001 4/13 edition)

recreational device, or vertical device or equipment used for
Communicable disease

climbing whether permanently affixed or temporarily erected.
-Cyber incident, data compromise, and violation of statutes

This exclusion does not apply to video or computer games;
related to personal data

Animals (injury or death to, or injury, death or property damage
-Employment related practices

caused by any animal owned, rented or hired by you. However,
-Events hosted/organized by the entertainer/performer

rabbits, doves, mice, hamsters, non-venomous/non-constricting
-Fireworks (However, this exclusion does not apply to flashboxes.

snakes and dogs weighing less than 15 lbs are covered for the

As used in this environment, flashboxes means any device used
liability arising out of the insured's operations that include the 

to create a visual effect along with an explosive noise that is

use of these animals); Bungee, Dunk tank; Haunted attraction;

induced electronically in a cylinder with no projectile, wadding,
Performer ("bodily injury" or "personal and advertising injury"

or wrapping)
to any performer or entertainer during any activity, event or
-Full body art/painting

exhibition including, but not limited to, any stunt, concert,
​-Fungi or bacteria
​show, or theatrical event); Rodeo; Saddle animal; Snowmobile
​Historical battle reenactments
-​​Those operations listed as ineligible
​Hot wax impressions
-​Throwing of object(s) into the audience during a performance
​Total pollution with a building heating, cooling & dehumidifying
​Nuclear energy
​equipment exception and hostile fire exception
​Ownership of a facility for performances
​Unmanned aircraft
​Personal and advertising injury
​Use of any substance to paint or apply on the face or body that

​is not classified as non-toxic and/or manufactured using

​only FDA compliant ingredients
Preliminary Underwriting Information Required
The following information is required 10 business days prior to the desired effective date:
-Completed and signed enrollment form  
-Full payment by check or credit/debit card