Entertainment Business Insurance
Purchase top-rated entertainment business insurance policies by choosing your specialty below. General liability coverage available from carriers with “A+” ratings.
Don’t need annual coverage? We offer 1-3 day coverage from $59.
Affordable Small Business Insurance Coverage for Performers and Entertainers
What is Entertainment Insurance?
Entertainment insurance is a type of protection for your professional services as an entertainer or performer. Our insurance is meant to protect your business against claims of recklessness or carelessness and failure to provide professional services while on the job. You can do what you love with peace of mind knowing you have coverage for claims of bodily injury, property damage, or loss of personal property.
How Much Does Entertainment Insurance Cost?
There are two entertainment insurance policies you can choose from—an annual policy or an event policy. Annual payments start at $199 for the year or $16.58 monthly for 12 months. The annual policy is ideal for performers and entertainers who need constant coverage year-round.
The event policy is active for 1–3 days and starts at $59. If you are performing for a single event or a weekend, the event policy is just right for you. You can add additional insurance limits to this policy to meet your venue’s requirements.
Keep in mind that these prices are for the base policies but you can get customized entertainment insurance by adding additional coverages to your policy at an extra cost.
What Does Entertainment Business Insurance Include?
View the coverage details for an entertainment insurance policy:
General Liability
Limit Per Policy: $2 million
Also known as public liability insurance for the entertainment industry, this coverage helps to protect your business from third-party bodily injury or property damage claims that occur while interacting with the public. For example, a fan tripping and falling during your performance, a piece of equipment damaging a venue, or a spectator getting hit and injured by a prop.
Equipment & Gear
(Annual Policy Only)
Limit Per Policy: $1M
Equipment and Gear coverage is designed to save you time and money. You rely on your equipment and gear to bring your show to life. If it’s damaged or stolen during your performance, our entertainment public liability insurance offers coverage to get it quickly replaced.
Damage to Premises Rented to You
Limit Per Policy: $300,000
As an entertainer, you run the risk of scratching, scuffing, or damaging the stages you perform on or the venues you perform in. Protect the premises you rent at no additional cost with your entertainment insurance from Insurance Canopy.
Personal & Advertising Injury
Limit Per Policy: $1 million
Personal and advertising injury insurance can be especially important for someone in the entertainment industry, which often involves creative expression and public image. For example, if an actor or musician is sued for defamation or infringement of copyright, Insurance Canopy can help cover the costs of legal defense and any damages that are awarded against them.
Products Completed Operations Aggregate
Limit Per Policy: $2 million
Selling merch is often a great revenue stream for entertainers. Any defective merchandise that causes a client harm is protected with our entertainment insurance coverage. It also protects you if an audience member suffers an injury from your performance.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Additional Limits
Event Policy (1-3 days)
$59
Annual Policy
From $199
Why Entertainment Insurance From Insurance Canopy
Easy
Direct 24/7 access to online, no-hassle applications where you can purchase general liability insurance coverage in 10 minutes or less. Enjoy the option of monthly payments with our annual plan or save with a one-time purchase.
Efficient
Get instant quotes from an “A+ rated” entertainment insurance company, compare policies side by side, and select the one that best fits your needs. We offer general liability insurance with the option to add on endorsements or additional insureds
Reliable
Frequently Asked Questions About Entertainment Insurance
Why Do You Need Entertainment Insurance for Your Business?
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.
What Are Common Risks That Entertainers Face?
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.
Is My Entertainer Equipment Covered?
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.
Is Your Policy Active Immediately?
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.
What Will You Need to Fill Out an Online Application?
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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Affordable plan and very easy to access when I need it
July 13, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
July 12, 2024 -
Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
July 12, 2024 -
Always easy to use! Thank you!
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
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Always done very well for us. Highly recommended.
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
July 5, 2024 -
quick and easy to sign up and did not break the bank!!
April 8, 2024 -
Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
April 7, 2024
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