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Insurance for entertainment businesses
The entertainment industry provides something fun for everyone. Whether you own an arcade, a pool hall or a music venue, you know that your customers come to your business for a great time – it might even be the highlight of their week!
While the average customer wouldn’t think about something going wrong in your establishment, frequently, entertainment venues have a lot of risks. Patrons often have access to some expensive and potentially dangerous equipment. For example, bowling balls, axes, and billiard balls can hurt someone if misused. Additionally, lighting, sound equipment and machinery could cause financial ruin should something be damaged without the proper coverage.
We know there’s plenty to safeguard when you’re the one hosting. At Zensurance, we’re making it our mission to make commercial insurance as accessible as possible. Learn how you can protect yourself and your business with entertainment insurance.
What is entertainment insurance?
Entertainment insurance is a liability insurance policy package designed to protect the risks of businesses within the entertainment industry. Businesses and professional entertainers can be financially covered against incidents of injury or damage to a third party or their property and accusations of professional neglect.
We’ve insured more than 1,000 entertainment businesses. Some of our clients include:
- Actors
- Arcades
- Axe throwing
- Bowling alleys
- Entertainment performers
- Escape rooms
- Film production
- Sports entertainment
- Performing arts professionals
- VR gaming centres
What does it cover?
An entertainment insurance policy will typically include the following coverages:
- Commercial General Liability (CGL) Insurance: This policy helps to protect your entertainment venue against claims or lawsuits such as third-party bodily injury (like a slip-and-fall), third-party property damage, false advertising, and libel or slander. For example, say you own an escape room business, and a customer trips over a loose misplaced item within the escape room. Your CGL policy may cover the medical and legal expenses if the customer is injured and sues your business.
- Commercial Property Insurance: Commercial property insurance allows you to protect your business’s location and the equipment you own or rent from an insured peril, such as a fire or theft. For instance, say you own a music venue. After a live performance, it’s evident that your expensive lighting equipment has been stolen from the set even though security was present. In this case, commercial property insurance may cover the cost to replace the https://www.zensurance.com/stolen equipment.
- Errors and Omissions (E&O) Insurance: This insurance policy offers protection against actual or alleged negligence, professional errors or omissions, or a failure to deliver a service as promised. For example, say you’re a variety performer contracted to provide entertainment services for an event. You accidentally overslept and missed your performance time. As a result, the client sues your business for negligence. E&O insurance may cover your legal fees and other related costs.
How much does it cost?
Due to the variety of businesses that operate within the entertainment industry, it isn’t possible to provide an accurate figure without more information about your business.
Here are some of the factors that are taken into consideration:
- Annual revenue
- Value of assets
- Number of employees
- Location
- Previous claims
To get your custom quote, start your application by answering a few specific questions about your business that will help us understand the coverage you need.
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