Being the life of the party has never come with more responsibility. On top of being charged with entertaining others, if something goes wrong then you could be held responsible. For instance, someone dancing to the sweet rhythm of your music could trip on a piece of your equipment, like a cord or a mic stand. Or you could be working as a Santa Claus during the holidays and need insurance to be able to work.
Who is covered by Entertainers Insurance?
- Face Painters
Entertainers deal with many different types of parties and people. Of those they deal with, the venue owner is one of the most important. Venue owners or property managers typically require their vendors have insurance; while it doesn’t prevent them from being involved in a lawsuit, it can help if something were to go wrong.
Entertainers insurance covers a variety of businesses. In this post, we break down some of those businesses and tell you how Insurance Canopy has got you covered.
If you are a professional clown performing at parties or events then you will need insurance in case something goes wrong. For example, there’s a story on Clown Forum titled “The worst night of my clowning career.” Put in the professional clown’s own words, “I did a stunt which involved jumping off a trampoline onto a skateboard, I was supposed to shoot offstage but ended up in the front row, where I managed to land right on top of the mayor's wife, breaking her leg.”
With clown insurance from Insurance Canopy you may be covered if a stunt gone wrong ends you up in a courtroom. General liability coverage gives you up to $2 million to pay for legal defenses and any damages you are held liable for.
You don’t have to delve too deeply to find instances of serious accident or even death that have happened with or to professional magicians. Most accidents involving magicians occur to the magician or to the assistant during the trick. However, incidents involving an audience member do occur. The audience member can claim they’ve been hurt as a result of your performance.
A recent example was a case with David Copperfield. A man claimed he was injured in 2013 while participating in one of the tricks during Copperfield’s show in Las Vegas. After a long time in the legal system, Copperfield was found to not be liable for the supposed injuries. Even though Copperfield won the lawsuit, he certainly amassed a lot in legal fees.
If you are a magician and go through a similar lawsuit then you would have to pay for everything out of pocket.
Being a Santa carries unique risks because the nature of the job involves working with small children who are more prone to accidents. It only takes one small child tripping on your boots and breaking their nose to begin the long, expensive ordeal of a lawsuit. Even if you aren’t found responsible for the damage done, you could still be taken to court.
Depending on your contract with the venue where you work as a Santa, you might be renting out space. If this is the case, you could be held responsible if you damage the venue. Think of this, if you’re sitting in a big chair supplied by the venue and the chair breaks or if a camera light falls and starts a fire, you would most likely need insurance to cover you. Damage to premises rented to you coverage may cover damages up to $300,000 with Insurance Canopy’s Santa insurance.
Face painting requires very close contact with your clients and that increases the risk of an incident occurring. You may be thinking that the most obvious risk would be poking someone’s eye or having someone ingest paint. While these are certainly risks, they are mostly under the professional's control and don’t happen too often.
The real risks come with things you wouldn’t think about, like a child tripping over their chair or falling off of it or an adverse skin reaction to the paint. Some event organizers go as far as requiring their face painters be insured. This helps keep the organizers from being liable in the case of an incident. Check out face painters insurance from Insurance Canopy for affordable coverage.
As someone who makes a living performing for other people, you could be held liable for things you might not even think about. It’s important to make sure all your bases are covered because a single lawsuit could put you out of business. With Insurance Canopy, you can get affordable event insurance online in minutes!