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This insurance program has been specifically designed for 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.

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 for classification.
- Actor Portraying Historical Person (Actual or - Juggler
Fictional) - Magician
- Balloon artist - Mime
- Belly dancer
- Musician, singer or vocalist
- Caricature sketching
- Poet
- Celebrity Look-a-like - Psychic/fortune teller
- Clown - Public speaker (subject to review and approval by us)
- Comedian
- Puppeteer
- Conductor
- Story teller
- Contortionist
- Theatrical performer (single event option only)
- DJ/KJ - Trade show/promotional model (subject to review and approval)
- Face/body painter (FDA approved/compliant paint only) - Ventriloquist
- 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 performer or sharpened blades)
- Cosmetologist/Beautician - Permanent tattoo artist/body piercing artist
- Escape artist
- Production/entertainment companies
- Exotic dancer - Public speaker (unless reported and approved)
- Fire handler - Pyrotechnician
 - Group acts or bands - Rap, hip hop, electronic/techno or heavy metal/screamo
- Henna/Mehndi artist musical entertainer, performer or DJ
- Hypnotist - Strength performer
- Jouster - Stripper
- Mascot (college, high school, professional) - Stunt performer
- Model (unless reported and approved)
- 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    
- Enhancement Endorsement Included

Notable Exclusions:

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

Amusement devices: the ownership, operation, maintenance or
- Athletic activity

use of any device or equipment a person rides for enjoyment,
Body surfing and/or mosh pits
including, but not limited to: mechanical or non-mechanical ride,
Cap on losses from certified acts of terrorism
slide or water slide (including any ski or tow used in conjunction 
Commercial general liability standard exclusions

with a water slide), inflatable recreational device, or vertical
(CG0001 4/13 edition)

device or equipment used for climbing whether permanently 
Communicable disease

affixed or temporarily erected. This exclusion does not apply to 
- Cyber incident, data compromise, and violation of statutes

video or computer games; Animals (injury or death to, or injury,
related to personal data

death or property damage caused by any animal owned, rented 
- Employment related practices

hired by you. However, rabbits, doves, mice, hamsters,
- Events hosted/organized by the entertainer/performer
non-venomous/non-constricting snakes and dogs weighing less
- Fireworks (However, this exclusion does not apply to flashboxes.
than 15 lbs are covered for the liability arising out of the 

​As used in this environment, flashboxes means any device used
​insured's operations that include the use of these animals); 

​to create a visual effect along with an explosive noise that is
​Bungee; Dunk tank; Haunted attraction; Performer ("bodily

​induced electronically in a cylinder with no projectile, wadding
​injury" or "personal and advertising injury" to any performer or

​or wrapping)
​entertainer during any activity, event or exhibition including, but
​Full body art/painting
​not limited to, any stunt, concert, show or theatrical event);
​Fungi or bacteria
Rodeo; Saddle animal; Snowmobile
​Historical battle reenactments
Those activities 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