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  Glossary | Buy On-line

NOW AVAILABLE - Buy Coverage On-line! Liability limits of $1,000,000 to $5,000,000 (per occurrence) are available online.


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
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 -Impersonator
-Balloon Artist-Individual musician/singer/vocalist
-Belly Dancer-Juggler
-Caricature Artist-Magician
-Celebrity Look-a-like-Mime
-Conductor-Singing telegram deliverer
-Contortionist-Story Teller
-Face/body painter (FDA approved/compliant paint only)-Western Performer
-Holiday character-Yodeler

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/BeauticianPermanent tattoo artist/body piercing artist
-Escape artist-Production/entertainment companies
-Exotic dancer-Public Speaker
-Fire handler-Pyrotechnician
-Group acts or Bands-Rap, hip-hop, alternative or techno musical
-Henna/Mehndi Artist-entertainer/performer/DJ
-HypnotistStrength performer
-Mascot (college, high school, professional)-Stunt performer
-Model-Touring entertainer/performer

Coverages Available

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

Notable Exclusions:

-Abuse or molestation, harassment or sexual conduct-Haunted attractions
-Asbestos-Historical battle reenactments
-Amusement devices (rides, slides, inflatables)-Hot wax impressions
-Animals (injury or death to, or injury, death or property-Lead
damage caused by any animal owned, rented or hired by-Nuclear energy
you.  However, rabbits, doves, mice, hamsters,-Ownership of a facility for performances
non-venomous/non-constricting snakes and dogs weighingPersonal and advertising injury
less than 15 lbs are covered for the liability arising out of the-Pollution
insured's operations that include the use of these animals)-Those activities listed as ineligible
-Athletic activity-Use of any substance to paint or apply on the face or body
-Body surfing or mosh pitsthat is not classified as non-toxic and/or manufactured using
-Employment-related practicesonly FDA compliant ingredients 
-Events hosted/organized by the entertainer/performer-Violation of statutes that govern e-mails, faxes, phone calls
-Fireworks (exclusion does not apply to flashboxes)or other methods of sending materials or information
-Full body art and painting
-Fungi or bacteria
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