Entertainment Business Insurance

As an entertainer, you can be held liable when your business operations cause illnesses, injuries, or damages to the venue or attendees. These incident claims could sweep away your entire business. Having insurance provides a financial safety net, so if an accident occurs, you won’t have to pay hefty out-of-pocket costs. Here are several other reasons why you should have entertainment insurance coverage:

• You may face some liability risks unique to performers and entertainers such as setting up shows, equipment, fog machines, or stages.
• Venues may require you to show proof of insurance before hiring you or allowing you to operate on their property.
• While venues usually carry insurance, your personal property will not be covered in the event of a claim. If there is a claim that lists you or your group, you will also not have coverage from the venue.
• Wedding venues, concert halls, and other places may require you to add them as an additional insured to your entertainment business insurance policy before allowing you to perform.
• If you use your own equipment and transport it to multiple locations, you will want to protect your equipment against theft, damage, or loss with inland marine coverage.

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A common claim entertainers and performers face is a party guest tripping on their equipment. If they trip on your speaker cords and sustain an injury, you can be held responsible for any medical bills because of failure to maintain a safe environment.

If your sound equipment or instruments sustain damage during an event – from spilled refreshments or an accident from an attendee – Equipment & Gear Coverage can come in handy to help you replace your tools of the trade! Also known as Inland Marine Insurance, this is an optional coverage you can add to your base policy.

And finally, if your equipment damages the venue’s property, like scratching the hardwood floor, you can be held liable to fix the damage. With insurance, you won’t need to pay for all of these expenses out of your own pocket. You would be able to file a claim and have professional assistance.

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While you’re filling out an annual online application, you can add Equipment & Gear Coverage to your base annual policy. This coverage ranges from an additional $6.00 to $12.50 per month on top of your annual policy and can cover up to $5,000 per policy year. Equipment Coverage is designed to cover your business’s personal property like equipment, supplies, or inventory. However, it does not cover structural property like a building.

The entertainers’ event policy is not eligible for Equipment & Gear Coverage.

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Yes. You set the effective date of your entertainment insurance policy when you are filling out the simple online application. Coverage for your business can begin today, as soon as your purchase is complete. If you would like for the coverage to begin on a specific day, you will have the chance to specify that date on your application. Your policy documents will also be available to download from your online account immediately after purchase.

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Filling out an application is easy and only takes 10 minutes. The best part is you don’t need to request a quote for entertainment insurance. Here is what you’ll need to provide on your application:

• Personal information (name, address, business information)
• Business operation information (gross sales, type of events, number of years in business, etc.)
• Knowledge of previous insurance claim history
• Details for Additional Insureds, tenants, or landlords that will be added.
• Payment information

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