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Entertainer & Performer


This insurance program is specifically designed for a US based entertainer and performer who works 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 at 1-800-328-2317 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

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 K&K)
- Fire handlers - Pyrotechnician
- Group acts or bands - Rap, hip hop, electronic/techno or heavy metal/screamo
 - Henna/Mehndi artist entertainer, performer or DJ
- Hypnotist - Strength performer
- Jouster - Stripper
- Mascot (college, high school, professional) - Stunt performer
- Model (unless reported and approved by K&K) - 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 - Fireworks (exclusion does not apply to flashboxes)
- Abuse or molestation, harassment or sexual conduct - Full body art and painting
- Activities/events held on a boat and/or any activity/event - Fungi or bacteria
held on or in water - Haunted attractions
- Amusement devices (rides, slides, inflatables) - 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, - Nuclear energy
non-venomous/non-constricting snakes and dogs weighing - Ownership of a facility for performances
less than 15 lbs are covered for the liability arising out of - Personal and advertising injury
the insured's operations that include the use of these - Pollution
animals) - Those activities listed as ineligible
- Any events or activities involving or promoting tobacco - Use of any substance to paint or apply on the face
or cannabis or body that is not classified as non-toxic and/or
- Athletic activity manufactured using only FDA compliant ingredients
- Body surfing or mosh pits - Violation of statutes that govern e-mails, faxes, phone calls
​-​Communicable Diseases (effective 7/1/20 and after)or other methods of sending materials or information​​
​-Employment-related practices
​-Events hosted/organized by the entertainer/performer​
Preliminary Underwriting Information Required


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