Entertainment Business Insurance
Insurance Marketplace for the Entertainment Business Industry
Affordable Small Business Insurance Resource for Performers and Entertainers
Entertainment insurance protects your business from lawsuits, accident claims, and third-party property damage claims. As an independent entertainer, you can count on Insurance Canopy to help you assess the risks faced by your entertainment business and find the liability insurance policy that meets your needs. Click on your specialty to learn more.
Balloon Art
Don’t let liability claims get your business twisted. Balloon artist insurance covers your balloon twisting at birthday celebrations, festivals, and more.
Band
Bring the house down with your music. Our band insurance protects you when the crowd jams along a little too hard.
Clown
You shouldn’t have to juggle your budget to get quality liability insurance. Insurance Canopy offers A+ rated protection at a low rate.
DJ Annual
Looking to drop the beat all year long? Our annual DJ insurance is specifically tailored to protect you in 10 minutes or less.
DJ Event
Injuries just don’t mix well with your event. Lean on “DJ Liability Insurance” to protect your finances while you mash up a killer set at your next event.
Magician
Our coverage comes without illusions. Make claims go poof with A+ rated protection from Insurance Canopy.
Musician
With musician insurance from Insurance Canopy, you can cover your most important asset: your equipment and gear.
Party Planner
Getting hit with a liability claim can be a real party pooper. Luckily, our partners at the Event Helper can protect your plans from going south.
Performer
No mic check needed. Our performer liability insurance is easily managed completely online to protect you until the very last mic drop.
Santa Claus
Nobody is adding liability claims to their Christmas wish list. Keep the coal out of your stocking and get Santa Claus liability insurance in 10 minutes or less.
Can’t find your industry?
View more from our Insurance Industry List or call for assistance 844-520-6993.
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 professional negligence and for failure to perform necessary duties 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.
What is Included with Entertainment Business Insurance?
- General Liability Insurance
- Professional Liability Insurance (Annual Policy Only)
- Damage to Premises Rented to You
- Personal & Advertising Injury
- Products & Completed Operations Coverage
- Equipment & Gear Coverage (Annual Policy Only)
How Much is Entertainment Insurance?
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 $14.93 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 and you can add additional coverages to your policy at an extra cost.
Coverage Details
General Liability
Limit Per Policy: $2M
Professional Liability Insurance
(Annual Policy Only)
Limit Per Policy: $2M
Professional entertainment liability insurance can protect your business if a client is unhappy with your work. Common claims include giving bad advice to a client, not showing up or performing poorly at an event, or providing incorrect instruction videos or training materials.
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: $1M
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: $2M
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.
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.
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 Company Insurance From Insurance Canopy
Easy
Direct 24/7 access to online, no-hassle applications where you can purchase professional and general liability insurance coverage.
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.
Reliable
Insurance Canopy has been insuring small businesses for more than a decade, so our team knows what coverage your entertainment business needs. Just click on your specialty, and we’ll connect you with the right insurance program.
Frequently Asked Questions About Entertainment Insurance
Why Should You Have Entertainment Business Insurance?
- 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.
- Liability insurance gives you a layer of defense against claims, such as bodily injury or property damage.
- 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.
- 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.
Do You Need Entertainment Company Insurance?
To put it simply, yes. 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. It is important to carry your own insurance, to protect your bottom line.
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.
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 – Tools & Equipment 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.
Who is Covered by Entertainment Industry Insurance?
Insurance Canopy covers a wide array of entertainers with our insurance plans. Some of the top industries and professions we cover are listed below.
- Balloon Artist
- Bands
- Clown
- Chalk Artist
- Comedian
- Disc Jockey (DJs)
- Holiday & Fairytale Characters (Santa, Princesses, etc.)
- Impersonators
- Jugglers
- Magician
- Mimes
- Musician
- Poets/ Storytellers
- Performer
- Yodeler
If you don’t see your profession listed above, check out our performers insurance page or you can call our licensed insurance agents to see if we have coverage available for you.
Is My Equipment Covered?
While you’re filling out an annual online application, you can add Tools & Equipment 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. The Tools & 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 Tools & Equipment coverage.
Why Should You Get Insured by Insurance Canopy?
Insurance Canopy offers customizable coverage options, allowing you to tailor your policy to your specific business needs. We combine general and professional liability insurance into one plan for your convenience, with the option to add on any endorsements or additional insureds. Insurance Canopy’s policies also come at a competitive and affordable price. You don’t have to choose cost over quality! Plus, our policies can be purchased online at any time from anywhere in 10 minutes or less!
With Insurance Canopy, you can access your policy documents 24/7 through your online portal and make any updates to your policy. Enjoy the option of monthly payments with our annual plan or save with a one-time purchase. We also make it easy for you to sign up through Facebook or Google and offer the option to set up an account with your email address. If you have any questions, you can chat with one of our online agents or give us a call.
Is Your Policy Active Immediately?
Yes. You set the effective date of your entertainment company 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.
Can You Cancel Your Policy at Any Time?
Yes. You may cancel your entertainer industry insurance policy at any time, but there is no money back guarantee on months you have already paid for.
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 an entertainment insurance quote. 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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