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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 - 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 - Psychics/fortune tellers
- DJ's/KJ's* - Puppeteers
- Drum corp/bugle corp* - Story tellers
- Face/Body painters (FDA approved/compliant paint only) - Ventriloquists
- Holiday characters - Western performers
- Impersonators- Yodelers
     
       

*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 electronic/techno, - Performers using weapons (live ammunition
hip hop, rap and heavy metal/screamo or sharpened blades)
- Circus performers - Permanent tattoo artist/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 Coverage
- 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 -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
-Asbestos  a performance
-Body surfing and/or mosh pits-Use of any substance to paint or apply on the face or
-Employment-related practicesbody 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, phone
  calls or other methods of sending materials or
information
 
Preliminary Underwriting Information Required
 

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