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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
- Face/Body painter (FDA approved/compliant paint only)
approval by us)
- Holiday character - Ventriloquist
​Western performer


Ineligible Operations

- Acrobatic or 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 by us)
- 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 by us) - 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 to Participants    
- Enhancement Endorsement Included

Notable Exclusions:

- Abuse or molestation or exploitation - Sexually transmitted disease
- Any events or activities involving or promoting tobacco or - Silica or silica-related dust

- Specified recreational activities - Aircraft/hot air balloon;
- Asbestos

Airport; Amusement devices: The ownership, operation, 
- Athletic activity
maintenance or use of any device or equipment a person
- Body surfing and/or mosh pits   rides for enjoyment, including, but not limited to: 
Cap on losses from certified acts of terrorism
mechanical or non-mechanical ride, slide, or water slide
Commercial general liability standard exclusions
(including any ski or tow when used in conjunction with a 
(CG0001 4/13 edition)
water slide), inflatable recreational device, or vertical device
- Communicable disease
or equipment used for climbing whether permanently 
- Cyber incident, data compromise, and violation of statutes

related to personal data
- Employment related practices
- Event hosted/organized by the entertainer/performer
Fireworks (However, this exclusion does not apply to 

flashboxes. As used in this environment, flashboxes meansand dogs weighing less than 15 lbs are covered for the 

any device used to create a visual effect along with an  liability arising out of the insured's operations that include

explosive noise that is induced electronically in a cylinder the use of these animals); Bungee; Dunk tank; Haunted

​with no projectile, wadding, or wrapping)
​attraction; Performer ("bodily injury" or "personal and
​Full body art/painting
​advertising injury" to any performer or entertainer during
​Fungi or bacteria
​any activity, event or exhibition including, but not limited to,
​Historical battle reenactments
​any stunt, concert, show, or theatrical event); Rodeo; Saddle
​Hot wax impressions
​animal; Snowmobile
-​​Those operations listed as ineligible
​Nuclear energy
-​​Throwing of object(s) into the audience during a 
​Ownership of a facility for performances
​Personal and advertising injury
​Total pollution with a building heating, cooling &

​dehumidifying equipment exception and hostile fire 


-​​Unmanned aircraft

-​​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