Performers Insurance
Showstopping insurance for performers and entertainers
Annual and Event Policies available
Why Choose Insurance Canopy for Performers Insurance?
Fast, flexible, and affordable — Insurance Canopy provides highly rated, comprehensive, and customizable liability insurance for performers like you, whether you need coverage today, tomorrow, or all year long.
What Is Performers Liability Insurance?
Performers insurance is designed to protect you from claims that occur during or as a result of your performance or business operations. It acts as a financial safety net in the event of accidents, injuries, or property damage incidents involving your audience, customers, and venues.
For example, you accidentally scuff up the flooring at a venue with your specialty clown shoes or put a dent in the wall with an amp while setting up for a music gig. Or an audience member breaks a wrist after tripping over one of your improperly secured extension cords.
Plus, most venues and events require proof of liability insurance with them listed as an additional insured on your policy in case something goes awry during your set.
Who Is Specialty Performers Insurance For?
Find your specialty below!

Actors (Individual)
As an individual actor (not as part of a theater production or movie set), you're likely performing a show at an event or festival. Did you know most events require you to carry liability insurance to cover accidents and damages?

Balloon Artists
Balloon artist insurance can provide you with a financial safety net in case that balloon pops and you get hit with a claim. Take your show on the road without worrying about accidents or lawsuits with our best performer and entertainer insurance.

Bands
Liability claims can be costly, don’t let finances break up your band. Have the right coverage in place to make entertaining the only thing on your mind.

Caricature Artists
You might not think drawing exaggerated portraits for clients could come with liability claims, but many venues and events require caricature artists to carry liability insurance to work with them. Show them you see the full picture with Insurance Canopy.

Chalk Artists
While chalk is a dangerously good time, it doesn’t seem like the riskiest business. But, if you’re looking to participate in events throughout the year, most events require you to have your own liability insurance first. Get backed by the most affordable insurance around to keep on drawing.

Clowns
You bring audiences laughter, joy, and entertainment. Don't let a liability claim from your big feet get in the way of your clowning around. Get protected with the most affordable clown insurance to keep everyone smiling.

Contortionists
You’re an expert at making your body fit into tight spaces, but contorting your wallet to pay for liability claims isn’t something you’ve trained for. Our top-rated insurance lets you keep the feats of unexpected flexibility out of your finances.

Comedians
It may seem unnecessary to carry performer and entertainer insurance as a comedian, but did you know some comedy clubs require it? Whether you tour or do local events, potential liabilities can interfere with your business revenue. Let us worry about the risks so you can focus on the jokes.

Dancers (Individual)
Your art is poetry in motion. Don’t let accidents or mishaps ruin your rhythm. Insurance protects you if you damage props or equipment during the performance or accidentally injure a member of the audience.

DJs
Maybe music is your passion, maybe it’s the art of performing for crowds, but it probably isn’t dealing with insurance claims. Good news for you: we provide entertainers insurance that protects you. Let us take that off your plate, or should we say turntable?

Drag Queens
You’re a star, with your glamorous hairdos, iconic looks, and signature moves. Ensure your audience keeps singing your praises by getting liability coverage for accidents and other unfortunate events that can result in liability claims or lawsuits.

Emcee/Master of Ceremonies
Emcees bring the energy. You set the tone for the rest of the show, engaging your audience every step of the way. What happens if the audience gets too excited and someone gets injured? Our liability insurance protects you from claims stemming from your performance.

Fairytale Characters
Don’t let villains ruin your audience’s fairytale ending. All it takes is one child getting too excited and hurting themselves before a claim has your pockets locked away in a tower. Escape from the risks of claims with liability insurance from Insurance Canopy.

Impersonators
Performing live means you never know what will happen next! Let us be your source for performers insurance in case you need coverage for a series of unfortunate events.

Interactive Drumming
You bring drumming to life with greater audience participation. That comes with greater risks as your audience has more opportunity to injure themselves during your performance. Get peace of mind with liability insurance coverage.

Jugglers
Pro jugglers know that one wrong slip can throw off a whole show. Without insurance, one claim can do the same to your business, so let us juggle the claims while you worry about putting on a good show!

Magicians
While the audience focuses on your illusions, who watches your back in case of accidents? Claims can pop up when you least expect them, so protect your business with entertainer insurance!

Mimes
Your props may be an illusion, but claims are very real! Our mime insurance policy is designed to protect against claims related to injuries to your audience, damages to event spaces, and more. Let our liability insurance be your solution.

Musicians (Individual)
While you might perform solo on stage, it doesn’t mean you need to be solo in your business. We’re here to support you in the event of accidents, property damage, and other incidents while you’re on stage! We can even help you protect your instruments.

Party Princesses
Don’t let accidents, mishaps, or claims turn you from a party princess into a party pooper. Protect yourself and your business with performers liability insurance.

Pianists
A master of the ivories, you conjure melodies with effortless grace. Don’t let accidents and mishaps knock you out of tune. Get performers insurance today so you can stay focused on the music.

Puppeteers
Don’t let accidents tangle you up in liability claims and lawsuits! Carry puppeteer insurance designed to protect you, your business, and your puppets.

Reenactors
Most venues require you to carry liability insurance before allowing you to participate in events on their property. Get performers insurance today so you can focus on tomorrow’s portrayals of years long gone.

Roller Skaters
Performing tricks while on roller skates is no easy feat. Let us watch your back in case of accidents and other unforeseen mishaps.

Santas
Don’t let fear or anxiety over potential liability claims damper your holiday cheer! Be prepared for whatever the weather blows your way with professional Santa insurance.

Story Tellers & Poets
Claims can cost you big
Get protected from claims with
Insurance today

Stilt Walkers
Keep walking tall with supportive performers liability insurance designed to make sure you and your act stay protected from costly claims in case of accidents.

Street Performers/Buskers
Many cities require you to carry liability insurance to perform in public spaces like parks, sidewalks, and streets. Secure your earnings, protect yourself from the financial cost of claims, and stay ahead of the game with performance liability insurance from Insurance Canopy.

Trick Ropers
Don’t get tied up due to tricky liability claims that can cost you even more than a rawhide Riata.

Trivia Hosts
Today’s bonus category is liability insurance. Who covers the costs if someone trips over your equipment and gets hurt, or your equipment damages the venue space? The correct answer is You! If you don’t have performers liability insurance. Get protected today.

Unicyclists
Staying balanced while performing tricks for your audience requires enough attention. Don’t let liability claims distract you with professional performers insurance.

Ventriloquists
You can give your voice to your dummies, but not your financial responsibilities. Don’t let accidents or other mishaps silence your act with expensive claims or lawsuits.

Yodelers
Did you know some venues require you to have entertainer insurance? Some may even ask to be listed as an additional insured on your policy. That’s no trouble with our performers liability insurance policies.
Performers Liability Insurance - Annual and Event Policies
You have options with Insurance Canopy. If you only book one or two gigs a year, single-event policies meet most venue requirements and provide coverage for up to three days.
For growing performers or those with three or more shows a year, an annual policy provides more cost-efficient coverage with protection for unlimited gigs over a 365-day period. Plus, annual policies allow you to opt-in to key additional coverages like Gear and Equipment Coverage (also known as inland marine) or Cyber Liability Coverage.
Coverage Details Limits
Included
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
Medical Expense Limit
$5,000
Unlimited Additional Insureds
$10 for Annual and Event
Additional Limits (Annual Only)
Equipment and Gear Coverage
$2,000 policy year
+$7.50/month
$5,000 policy year
+$15/month
Deductible
$250
Excess Liability Coverage ($1,000,000)
+$29.17/month
Cyber Liability Coverage ($100,000)
+$8.25/month
Policy Pricing
Annual Policy – 365 Days Covered
From $18.50/month
Event Policy – 1-3 Days Covered
From $59 per event

Still doing your research?
Have a question for us?
Common Risks Performers Face
Liability insurance isn’t just for bartenders and fire-breathers. Risks exist wherever there are other people — even a small town cafe with a crowd of five or an annual charity fundraiser with 100 guests coming and going.
Here are just a few examples of potential risks that could financially disrupt your act:
- Someone spills their drink on your speakers or laptop during your set
- A person trips over your electrical cord, falls, and sues you to cover their medical bills
- You accidentally cause damage to a venue where you’re performing
- A tree falls and crushes your equipment during an outdoor performance
- Another local artist accuses you of stealing their advertising ideas
What Types of Coverage Are Included in Performer Insurance?
Both Event and Annual Performer Policies include:
- General Liability: Coverage for injuries and damages done to those other than you, like audience members and event spaces
- Personal and Advertising Injury: Coverage for copyright infringement, libel, and slander claims
- Damage to Premises Rented to You: Coverage for damage to rented spaces like venues, recording studios, and similar places
- Medical Expense Limit: Coverage for medical injuries, regardless of who is at fault
We also provide optional add-ons for annual policies, such as equipment and gear coverage, cyber liability insurance, and the ability to add additional insureds for a nominal fee.
Additional Optional Coverages (Annual Policies Only):
- Equipment and Gear Coverage: Coverage for equipment damaged or stolen during or traveling to an event
- Cyber Liability Coverage: Coverage for cybercrimes and data breaches if you store client information online
- Additional Insureds (AIs): Extends your coverage to specific others, primarily venue owners and event coordinators
Cost of Annual Insurance for Performers
Annual policies start at just $18.50 per month or $199 per year and include comprehensive general liability coverage. You can add optional coverages for equipment and gear (from $7.50/month), excess liability (+$29.17/month), and cyber liability (+$8.25/month).
Gear and equipment coverage helps you repair or replace damaged or stolen equipment. With an annual policy, you can choose either:
- $2,000 of coverage per policy year (+$7.50/month) OR
- $5,000 of coverage per policy year (+$15/month)
Cost of Event Insurance for Performers
Event performer insurance policies start at $59 for up to three days of coverage and include general liability, personal and advertising injury, products — completed operations, damage to premises rented to you, and a medical expense limit.
Event policies do not qualify for add-on coverages.
Questions About Performer Insurance
Absolutely! Performers need insurance to show business or event owners proof when setting up gigs. Insurance also proves that you’re protected if unexpected risks arise during your event.
Additional insureds are venue owners or event coordinators who request that you add them to your policy as a precaution in case they’re named alongside you in a lawsuit. This is a standard practice in many industries.
If someone trips and injures themselves during your show, they could sue you and the venue to pay for their medical bills. Your specialty performers insurance policy can mitigate or even eliminate costs so your additional insureds are not held financially liable.
Performers insurance covers claims involving:
- Third-party damages or injuries, meaning injury or damage done to someone other than you (like an audience member or event space)
- Damage done to a rented space or a performance space not owned by you (like a recording studio)
- Non-physical injuries to others (like copyright infringement or defamation claims)
When you choose an annual policy, you can add this coverage to protect your equipment at any time!
Get a quote today
Why Choose Insurance Canopy?
We want you to have a long and successful career! Insurance Canopy has reliable performer liability insurance you can apply for in 10 minutes or less online.
- Apply online in 10 minutes or less
- Get immediate, same-day coverage
- Get instant access to your policy
- Receive A+ rated coverage
- Access your online dashboard 24/7 to make changes to your policy, download your certificate of insurance, or add additional insureds
If you have questions or need additional assistance, our customer service team can help. All agents are licensed, non-commissioned agents ready to help you find the right coverage for your business. Contact us online or call our U.S.-based English and Spanish-speaking customer service line at (844) 520-6993 Mondays-Fridays 8 am to 8 pm EST (excluding holidays).
Read Reviews From Real Insurance Canopy Policyholders
Here's what some of our 14,700+ customers have to say about their experience.
-
Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More online! Thank you.
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More never had to file a claim yet and hope to keep it that way, so I cannot comment as how well they respond to that.
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More a personalized policy.
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More am so thankful for Canopy and to not have a shared aggregate limit with thousands of other massage therapists. Individual coverage is EXTREMELY important to Me and this coverage is very affordable!
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More their representative. Everything was painless and reasonably priced.
jay gedeon
January 6, 2025
-
Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025
Related Articles

Protect Your Live Band Performance: Contract Checklist and Resources
For those about to rock, we salute you. But first, don’t forget to

9 Best Band Business Cards [Examples & Ideas]
You can’t market your music business through digital tools alone. Tangible items also

What Types of Entertainers Need Liability Insurance?
You may be asking, “I’m just a performer. Why do I need insurance?”