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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's activities cannot exceed $200,000 if applying online for immediate coverage.
  • 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 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, 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 or molestation or exploitation -Reenactment performances/activities involving boats and/or
-Activities/events hosted, sponsored or organized by           
activities held on or in water
               the insured that are open to the public -Sexually transmitted disease
-Any events or activities involving or promoting tobacco -Silica or silica-related dust
             or cannabis
-Specified recreational activities - Aircraft/hot air balloon;
 Airport; Amusement devices: The ownership, operation, 
   -    Body surfing and/or mosh pits
maintenance or use of any device or equipment a person
Commercial general liability standard exclusions
rides for enjoyment, including, but not limited to:
 (CG0001 4/13 edition)
mechanical or non-mechanical ride, slide, or water slide
Cap on losses from certified acts of terrorism

(including any ski or tow when used in conjunction with a 
Communicable disease water slide), inflatable recreational device, or vertical device

Cyber incident, data compromise, and violation of 

or equipment used for climbing whether permanently 

statutes related to personal dataaffixed or temporarily erected. This exclusion does not apply
-Employment-related practicesto video or computer games; Animals (injury or death to,
​-Events hosted/organized by the performing group
or injury, death or property damage caused by any animal
​Fireworks (However, this exclusion does not apply to 
​owned, rented or hired by you. However, rabbits, doves,

​flashboxes. As used in this environment, flashboxes
​mice, hamsters, non-venomous/non-constricting snakes 

​means any device used to create a visual effect along
​and dogs weighing less than 15lbs are covered for the 

​with an explosive noise that is induced electronically
​liability arising out of the insured's operations that include

​in a cylinder with no projectile, wadding, or wrapping)
​use of these animals); Bungee; Dunk tank; Haunted 
​Full body art/painting
​attraction; Performer ("bodily injury" or "personal and 
​Fungi or bacteria
​advertising injury" to any performer or entertainer during
​Groups with more than 30 members
​any activity, event or exhibition including, but not limited to,
​Groups without one member who is at least 18 yrs old
​any stunt, concert, show, or theatrical event); Rodeo; Saddle
​-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


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