Performer and Entertainer Insurance

Performer and Entertainer Insurance

Protect your professional entertainment career and reputation with a comprehensive liability insurance policy for performance artists.

Zensurance - Performers Liability Insurance

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What is performer and entertainer insurance?

Insurance for performance artists is a customized policy designed to shield a wide range of performers and entertainers from the liability risks they face associated with their work.

From the risk of third-party bodily injury and property damage, contractual disputes, and copyright infringement to professional negligence and cybersecurity threats, insurance for performing arts is designed to protect entertainers and performers from these and other perils, including lawsuits.

A comprehensive entertainment and performance insurance policy may include the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, may cover the cost of third-party bodily injuries or property damage resulting from accidents or negligence related to your performance that causes someone physical or financial harm. 
  • Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability insurance covers claims alleging professional negligence, such as failing to deliver a service as promised, breach of contract, or a client claiming the performance you provided resulted in them suffering a financial loss. 
  • Cyber Liability Insurance: No organization or individual, including entertainers and performance artists, is immune to the threat of a cyber-attack or a data breach. Cyber liability insurance can help cover the cost of repairing and restoring your affected software systems, email account, or website if you are hacked. If a data breach occurs and exposes your clients’ confidential information, you could be sued for damages. Cyber liability insurance includes coverage for legal advice, notification fees, crisis management expenses, and credit monitoring.

Different insurance providers charge various amounts for an artisan and crafter insurance policy based on your business’s details, including:

  • Your location
  • The products you create, sell, and distribute
  • How and where your products are sold or distributed
  • Your years of experience
  • Your annual and gross projected revenue
  • The value of your assets and property
  • Your insurance claim history

A broad range of performers and entertainers need a customized insurance policy to protect their finances and reputations, including:

  • Actors
  • Acrobats
  • Balloon artists
  • Belly dancers
  • Bingo callers
  • Burlesque acts and striptease
  • Buskers
  • Cabaret acts
  • Carnival performers
  • Children entertainers
  • Choreographers
  • Circus performers
  • Comedians and clowns
  • Contortionists
  • Dancers
  • DJs (disc jockeys)
  • Face painters
  • Illusionists and magicians
  • Impersonators
  • Impressionists
  • Jugglers
  • Mimes
  • Musicians and musical performers
  • Public speakers
  • Puppeteers
  • Street performers
  • Storytellers
  • Trivia hosts
  • Ventriloquists

Getting insured is quick and easy!

Complete our 5-minute online application for a free performance liability insurance quote.

Common claims scenarios

Stage Lighting Damage

Problem: While setting up for a show, you accidentally knock over an expensive lighting rig owned by the venue that crashes to the floor and is damaged.

Outcome: Your commercial general liability insurance may pay for repairing or replacing the damaged lighting rig.

Performer missing for the show

Problem: You fail to show up for a scheduled performance because of an illness. The event organizer you signed a contract with threatens you with legal action.

Outcome: Your contractual liability insurance may cover the cost to reimburse the event organizer for their financial loss.

Performance Stage - Injury

Problem: During one of your performances that involves using stage props, you lose your balance and let go of the object in your hand that flies into the crowd and injures an audience member.

Outcome: Your commercial general liability insurance may cover the injured person’s medical expenses.

Frequently asked questions

Does commercial general liability insurance cover my performances at different venues and locations?

Yes. Commercial general liability insurance at various locations and venues for both single performances or multiple engagements. Your policy should specify the coverage territory based on your needs. Speak to a Zensurance broker if you have questions.

Does commercial general liability insurance cover accidents or injuries to a performer or entertainer themselves?

No. General liability insurance is designed to cover the cost of bodily injuries or property damages to third parties, such as an audience member, venue owner, or event organizer.

Why do performers and entertainers need professional liability insurance?

Professional liability insurance covers performers against claims alleging errors, mistakes, or negligence in their professional services. It covers claims related to performance failures, breach of contract, copyright infringement, or other professional errors.

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Ready to start? Let’s get a quote!

Before the curtain rises on your next big performance, protect your finances and reputation with a comprehensive performer and entertainer insurance policy from Zensurance.

Fill out our online application for a free quote. Our friendly, licensed brokers will shop our partner network of over 50 Canadian insurance providers to find the low-cost coverage you need and tailor it to meet your specifications.