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Bands & Performing Groups


This insurance program is specifically designed for a 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 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 - Jugglers
- Caricature sketching artists - Magicians
- Celebrity look-alikes - Mimes
- Choral group* - Musical ensemble (quartet, duo, instrumental)*
- Clowns - Musicians, singers or vocalists*
- Comedians - Non-touring bands (tribute, wedding, garage)*
- Conductors - Poets
- Contortionists - Puppeteers
- DJ's/KJ's* - Story tellers
- Drum corp/bugle corp* - Ventriloquists
- Face/Body painters (FDA approved/compliant paint only) - Western performers
- Holiday characters - Yodelers
- Impersonators

*Eligible/Approved Music Genres

- Big band - Jazz
- Bluegrass - Oldies
- Blues - Pop/soft rock
- Classical - R&B
- Country - Religious/gospel
- Ethnic/world - Swing
- Folk

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 alternative, grunge, - Performers using weapons (live ammunition
hip hop, punk, rap and techno/DJ or sharpened blades)
- Circus performers - Permanent tattoo and/or body piercing artists
- Cosmetologists/beauticians - Production/entertainment companies
- Escape artists - Public speakers
- Exotic dancers/strippers - Pyrotechnicians
 - Henna/Mehndi artists - School accredited/sponsored programs, bands
- Historical battle re-enactment groups and/or performing groups
- Hypnotists - 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 Liability Optional Coverages
- Bodily Injury and Property Damage  - Sexual Abuse or Sexual Molestation Liability
- Products-completed Operations  - Abuse, Molestation, Harassment or Sexual Conduct
- Damage To Premises Rented to You   Defense Cost Reimbursement
- Legal Liability to Participants    
- Medical Payments for Participants    
- Broadening Endorsement Included    

Notable Exclusions:

- Abuse or molestation, harassment or sexual conduct - Hot wax impressions
- All operations listed as ineligible - Lead
- Amusement devices (e.g.: rides, slides, inflatables, - Nuclear energy
bungees, climbing walls, dunk tanks) - Ownership of an owned facility for performances
- Animals (injury or death to any animal or injury, death - Personal and advertising injury
or property damage caused by your animal)  - Throwing of object(s) into the audience during
- Asbestos a performance
- Body surfing and/or mosh pits - Use of any substance to paint or apply on the face or
- Employment-related practices body that is not classified as non-toxic and/or
- Events hosted/organized by; the performing group manufactured using only FDA compliant ingredients
- Fireworks (exclusion does not apply to flashboxes) - Violation of statutes that govern e-mails, faxes,
- Full body art/painting phone calls or other methods of sending materials
- Fungi or bacteria or information
- Haunted attractions
- Historical battle reenactments
Preliminary Underwriting Information Required


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