Being the life of the party has never come with more responsibility. On top of being in charge of entertaining others, if something goes wrong then you could be held responsible. For instance, someone dancing to the sweet rhythm of your music could trip on a piece of your equipment, like a cord or a mic stand. Or you could be working as a Santa Claus during the holidays and need insurance to be able to work in a mall, at a school, or at holiday parties. This is where entertainer insurance comes into play.
Who is covered by Entertainers Insurance?
Entertainers deal with many different types of parties and people. Of those they interact with, the venue owner is one of the most important. Venue owners or property managers typically require their vendors to have insurance and to be listed as an additional insured on the policy. While it doesn’t prevent them from being involved in a lawsuit, it can help if something were to go wrong.
Entertainer insurance covers a variety of businesses. In this post, we break down some of those businesses and tell you how Insurance Canopy has got you covered.
Clowns
If you are a professional clown performing at parties or events, then you will need insurance in case something goes wrong. For example, if you perform a stunt that goes wrong, like jumping off a tramp intending to land on a skateboard and instead land on a guest and injure them, you can be held liable for their medical bills.
With Clown Insurance from Insurance Canopy you may be covered if a stunt gone wrong ends you up in a courtroom. General liability coverage gives you up to $2 million to pay for legal defenses and any damages you are held liable for.
Magicians
You don’t have to delve too deeply to find instances of serious accident or even death that have happened with or to professional magicians. Most accidents involving magicians occur to the magician or to the assistant during the trick. However, incidents involving an audience member do occur. The audience member can claim they’ve been hurt as a result of your performance.
An example was a case with David Copperfield. A man claimed he was injured in 2013 while participating in one of the tricks during Copperfield’s show in Las Vegas. After a long time in the legal system, Copperfield was found to not be liable for the supposed injuries. Even though Copperfield won the lawsuit, he certainly amassed a lot in legal fees.
If you are a magician and go through a similar lawsuit, then you would have to pay for everything out of pocket. Insurance Canopy’s Magicians Insurance is offered for 1–3 day events, or an annual policy, and can help cover the costs of legal fees, medical expenses, and claims costs.
Santas
Being a Santa carries unique risks because the nature of the job involves working with small children who are more prone to accidents. It only takes one small child tripping on your boots and breaking their nose to begin the long, expensive ordeal of a lawsuit. Even if you aren’t found responsible for the damage done, you could still be taken to court.
Depending on your contract with the venue where you work as a Santa, you might be renting out space. If this is the case, you could be held responsible if you damage the venue. Think of this, if you’re sitting in a big chair supplied by the venue and the chair breaks or if a camera light falls and starts a fire, you would most likely need insurance to cover you. The coverage called Damage to Premises Rented to You may cover damages up to $300,000 with Insurance Canopy’s Santa Insurance.
Bands
Being a musician in a band is a fast-paced and fun career. However, just like all other entertainers, bands face their own unique set of risks and challenges. A common claim is a guest at your event tripping on your equipment, like a speaker cord, and sustaining an injury. Whatever the case, you’ll want to make sure you’re prepared with Band Insurance.
Some venues where you perform will require you to have insurance before you’re allowed to perform there. This helps keep the organizers from being liable in the case of an incident. If your band or its equipment ends up damaging the venue, like scratching the hardwood floor, your band insurance can cover the costs of repairs. Protect your band and its financial assets by purchasing insurance today.
Musicians
As a musician, you’ll face similar risks that bands face. Be prepared with Musicians Insurance in case an accident ever happens to you or the venue while you’re performing. Although something may not be your fault, you could be held responsible to pay to fix any damage or pay for a lawsuit. With entertainers insurance, you wouldn’t have to pay thousands of dollars out of your own pocket.
Wrap-Up
As someone who makes a living performing for other people, you could be held liable for things you might not even think about. It’s important to make sure all your bases are covered because a single lawsuit could put you out of business. With Insurance Canopy, you can get affordable entertainment insurance online in minutes. Contact our licensed insurance agents with any questions you may have.
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