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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
  • Annual gross income from the performing group activities cannot exceed $200,000 if applying online for immediate coverage.
    Groups with annual income of $200,001-$500,000 must complete and submit a printed pdf enrollment form
    (see "Application & Printable Documents" link above)
  • No more than 30 members in a performing group

Eligible Operations/Music Genres

This list does not encompass all performing groups or genres that may be eligible for coverage. If the type of band or performing group or music genre is not listed in the eligible or ineligible listing, please contact our office at 1-800-328-2317 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)*
-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 or
hip hop, rap and heavy metal/screamosharpened 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 groupsand/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 LiabilityOptional Coverage
-Bodily Injury and Property Damage -Sexual Abuse or Sexual Molestation Liability
-Products-completed Operations -Abuse, Molestation, or Exploitation Defense Cost
-Damage To Premises Rented to You Reimbursement
Bodily Injury to Participants  
-Medical Payments for Participants  
-Enhancement Endorsement Included

Notable Exclusions:

-Abuse, molestation, or exploitation
-Events hosted/organized by the performing group
-Activities/events held on a boat and/or any activity/event-Fireworks (exclusion does not apply to flashboxes)
held on or in water-Full body art/painting
-All operations listed as ineligible
-Fungi or bacteria
-Amusement devices (e.g.: rides, slides, inflatables,-Haunted attractions
bungees, climbing walls, dunk tanks) -Historical battle reenactments
-Animals (injury or death to, or injury, death or property-Hot wax impressions
damage caused by any animal owned, rented or hired by-Lead
you.  However, rabbits, doves, mice, hamsters, non--Nuclear energy
venomous/non-constricting snakes and dogs weighing less-Ownership of an owned facility for performances

than 15 lbs are covered for the liability arising out of the-
Personal and advertising injury
insured's operations that include the use of these animals)-Throwing of object(s) into the audience during a performance
Use of any substance to paint or apply on the face or body
Body surfing and/or mosh pitsthat is not classified as non-toxic and/or manufactured using
-Communicable Disease

only FDA compliant ingredients
​-Cyber incident, data compromise, and violation of statutes

related to personal data

​-Employment-related practices
Preliminary Underwriting Information Required
-Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form
and payment