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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 - Impersonator
Fictional) - Impressionist
- Balloon Artist - Individual musician/singer/vocalist
- Belly Dancer - Juggler
- Caricature Artist - Magician
- Celebrity Look-a-like - Mime
- Clown - Poet
- Comedian - Psychic/fortune teller
- Conductor - Puppeteer
- Contortionist - Singing Telegram Deliverer
- DJ/KJ - Story teller
- Face/Body painter (FDA approved/compliant paint only) - Ventriloquist
- Holiday character - Western Performer 
​-​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/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, alternative or techno musical
 - Henna/Mehndi artist entertainer/performer/DJ
- Hypnotist - Strength performer
- Jouster - Stripper
- Mascot (college, high school, professional) - Stunt performer
- Model (unless reported and approved by the company) - 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 to Participants    
- Broadening Endorsement Included
 

Notable Exclusions:

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