What insurance do entertainers and performers need?
Find out everything you need to know about getting the right insurance in place as an entertainer or performer.
Key points
Entertainers and performers require specific insurance types like public liability, professional indemnity, equipment cover, and event cancellation
Insurance for entertainers not only covers personal and property damage during performances but also protects them against professional liability claims
To get the right cover, performers should compare policies online and read policy documents to ensure you have the appropriate insurance for your type of work
What insurance do entertainers and performers need?
Entertainers and performers encounter unique risks within the industry, such as injuries, equipment damage, and event cancellations, making business insurance essential for your own peace of mind and financial security.
Essential types of insurance for entertainers:
If you're working in this industry, here are the main types of insurance you should consider:
Public liability insurance: Covers claims of property damage or personal injury caused by your activities
Professional indemnity insurance: Handles legal costs and expenses in defending against claims of professional negligence or breach of duty
Equipment insurance: Protects against the loss, theft, or damage of expensive gear used in performances
Event cancellation insurance: Compensates for lost income and expenses if an event is unexpectedly cancelled beyond your control
What does it cover?
Insurance policies for entertainers and performers are designed to protect against various risks specific to your industry. These policies typically cover personal injury and property damage.
This ensures that performers can handle the financial impact of accidents during their acts. For example, if there are elements like fire or animals involved in your performance that accidentally injure a member of your audience, a policy covers medical costs and potential legal fees.
Insurance against professional liability claims is also vital for performers. This type of cover safeguards them from claims of errors or negligence in their performances. Such claims could lead to financial loss or emotional distress for others.
For instance, if a stunt fails and causes distress or damage, the performer's insurance can cover legal costs and any damages awarded.
Public liability insurance for entertainers and performers
Public liability insurance is essential for entertainers and performers. It provides financial protection during public performances and covers claims for injuries or damages occurring during your act.
Imagine a magician's trick injures a volunteer, or a band damages a historic venue during a concert. Without public liability insurance, these incidents could lead to severe financial consequences, potentially ending careers and causing financial ruin.
Securing public liability insurance lets you concentrate on your performance and ensures you're not worrying if something goes wrong.
How do I get performer or entertainers insurance?
Here is how to get the right entertainers insurance for your act:
Research the best insurance providers: Start by identifying insurers that specialise in entertainment and performance arts. They understand the unique risks associated with your profession
Understanding the application process: Familiarise yourself with the application requirements. Most insurers will ask for details about your type of performances, venues, and audience size. They might also inquire about any previous claims or special equipment you use
Tips for comparing and selecting insurance offers: Don’t just look at the price. Consider the coverage extent, customer service ratings, and flexibility in handling claims. Comparing these aspects will help you choose an insurance offer that best suits your needs
Other types of business insurance to consider as a performer
As a performer, protecting your career involves more than just the stage. Consider equipment insurance, vital for safeguarding your instruments and gear. Damage or theft could result in significant financial losses and missed opportunities.
Vehicle insurance is also crucial, particularly if you often travel for gigs. This insurance covers accidents and theft, ensuring you reach your next show safely.
Lastly, do not overlook health and travel insurance. Maintaining good health to perform is important and comprehensive health insurance supports this. Travel insurance provides coverage for unexpected incidents while on tour, from medical emergencies to trip cancellations.
