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Bands & Performing Groups


This insurance program is specifically designed for US based bands and performing groups who work on an independent contractor basis entertaining at events and performances. Coverages provided under this program include important liability protection for the performing group for liability claims arising out of their operations.

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

  • All groups must have at least one member or representative who is at least 18 years of age.
  • No more than 30 members in a performing group
  • Annual gross income from the performing group's activities cannot exceed $200,000 if applying online for immediate coverage.

Eligible Operations/Music Genres

This list does not encompass all performing groups or genres that may be eligible for coverage. If the type of performing group or music genre is not listed in the eligible or ineligible listing, please contact our office for classification.
-Balloon artists-Impressionists
-Belly dancers
-Caricature sketching artists
-Celebrity look-alikes
-Choral group
-Musical ensemble (quartet, duo, intrumental)
-Musicians, singers or vocalists
-Non-touring bands (tribute, wedding, garage)
-Contortionists-Psychics/fortune tellers
-Drum corp/bugle corp
-Story tellers
-Face/Body painters (FDA approved/compliant paint only)-Ventriloquists
-Holiday characters-Western performers

*Eligible/Approved Music Genres

-Big band-Jazz
-Blues-Pop/soft rock

Ineligible Operations

Operations and music genres not eligible for this program include, but are not limited to the following:
-Acrobatic/aerialist performers-Models
-Actors or actresses-Performers putting on an athletic exhibition
-Bands or groups with music genres of electronic/techno,-Performers using weapons (live ammunition
hip hop, rap and heavy metal/screamoor sharpened blades)
-Circus performers-Permanent tattoo and/or body piercing artists
-Cosmetologists/beauticians-Production/entertainment companies
-Escape artists
-Public speakers
-Exotic dancers/strippers
 -Henna/Mehndi artists
-School accredited/sponsored programs, bands,
-Historical battle re-enactment groups
and/or performing groups
-Strength performers
-Instruction of other individuals for a fee
-Stunt performers
-Jousters-Touring bands and/or groups
-Mascots (college, high school, professional)

Coverages Available

Commercial General LiabilityOptional Coverage
-Bodily Injury and Property Damage   -Sexual Abuse or Sexual Molestation Liability
-Products-Completed Operations   -Abuse, Molestation or Exploitation Defense 
-Damage To Premises Rented to You Cost Reimbursement
-Bodily Injury to Participants  
-Medical Payments for Participants  
-Enhancement Endorsement Included  

Notable Exclusions:

-Abuse or molestation or exploitation
-Reenactment performances/activities involving boats and/or
-Activities/events hosted, sponsored or organized by the

activities held on or in water
insured that are open to the public
-Sexually transmitted disease
-Any events/activities involving or promoting tobacco
-Silica or silica-related dust

or cannabis
-Specified recreational activities - Aircraft/hot air balloon;
airport; Amusement devices: the ownership, operation,
-Body surfing and/or mosh pits

maintenance or use of any device or equipment a person rides
Commercial general liability standard exclusions

for enjoyment, including, but not limited to: mechanical or
(CG0001 4/13 edition)

non-mechanical ride, slide, or water slide (including any ski or
Cap on losses from certified acts of terrorism

tow when used in conjunction with a water slide), inflatable
Communicable diseases
recreational device, or vertical device or equipment used for
Cyber incident, data compromise, and violation of statutes

climbing whether permanently affixed or temporarily erected.

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

Animals (injury or death to, or injury, death or property damage
​Events hosted/organized by the performing group
​caused by any animal owned, rented or hired by you. However,
​Fireworks (However, this exclusion does not apply to flashboxes.
​rabbits, doves, mice, hamsters, non-venomous/non-constricting

​As used in this environment, flashboxes means any device used
​snakes and dogs weighing less than 15 lbs are covered for the 

​to create a visual effect along with an explosive noise that is
​liability arising out of the insured's operations that include the

​induced electronically in a cylinder with no projectile, wadding,
​use of these animals); Bungee; Dunk tank; Haunted attraction;

​or wrapping)
​Performer ("bodily injury" or "personal and advertising injury"
​-Full body art/painting

to any performer or entertainer during any activity, event, or 
-​Fungi or bacteria

exhibition including, but not limited to, any stunt, concert,
​-Groups with more than 30 members
show, or theatrical event); Rodeo; Saddle animal; Snowmobile
​Hot wax impressions
-​​Those operations listed as ineligible
​Throwing of object(s) into the audience during a performance
​Nuclear energy
​Total pollution with a building heating, cooling & dehumidifying
​Ownership of a facility for performances
​equipment exception and hostile fire exception
Personal and advertising injury
-​​Unmanned aircraft

​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


-Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form
and payment