Entertainment Insurance
Get A+ entertainment business insurance coverage by choosing your specialty below.
4.9/5 on
Affordable Entertainment Liability Insurance Coverage
Balloon Artists
Don’t let liability claims get your business twisted. Balloon artist insurance covers your balloon twisting at birthday celebrations, festivals, and more.
Bands
Bring the house down with your music. Our band insurance protects you if the crowd jams along a little too hard.
Clowns
You shouldn’t have to juggle your budget to get quality liability insurance. Insurance Canopy offers A+ rated protection at a low rate.
Year Round DJs
Looking to drop the beat all year long? Our annual DJ insurance is specifically tailored to protect you in 10 minutes or less.
Event DJs
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.
Face Painters
Liability claims aren’t something to brush over. Get quality coverage at a low rate for your face painting business from Insurance Canopy.
Magicians
Our coverage comes without illusions. Make claims go poof with A+ rated protection from Insurance Canopy.
Musicians
With musician insurance from Insurance Canopy, you can cover your most important asset: your equipment and gear.
Party Planners
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.
Performers
No mic check needed. Our performer liability insurance is easily managed completely online to protect you until the very last mic drop. We also cover comedians, storytellers, impersonators, yodelers, other holiday and fantasy characters, and poets.
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?
Take a look at our Performer Insurance page for more information. If you can’t find your specialty, view more from our Insurance Industry List or call for assistance 844-520-6993.
What is Entertainment Insurance?
Entertainment insurance is general liability protection specifically for entertainers and performers. This insurance safeguards against claims of recklessness or failure to give professional services at specific types of events, such as civic or corporate parties, concerts, fairs, stage performances, and more.
Insurance Canopy’s entertainment insurance offers you peace of mind with all of this and more, bundling general liability, damage to rented premises, and personal and advertising injury coverage into your policy. Equipment and gear coverage can also be added to annual policies, allowing you to protect your financial investment should your gear be stolen or damaged at a performance.
How Much Does Entertainment Insurance Cost?
Entertainment liability insurance costs as little as $59 for a 1-3 day event or $18.50 a month for an annual policy. Costs are determined by the policy type you select as well as any add-ons or additional limits you need.
The annual policy is ideal for those who need constant coverage year-round and want gear and equipment coverage built in. However, if you are performing for a single event or a weekend, and don’t perform more than a few times a year, the event policy could be a better option for you.
You can add additional insurance limits to your policy to meet your venue’s requirements. Plus, you can easily add additional insureds right through your dashboard.
What Does Entertainment Insurance Include?
View the coverage details for an entertainment insurance policy:
General Liability
Limit Per Policy: $2,000,000
Also known as liability insurance for entertainment businesses, this coverage helps protect your business from third-party bodily injury or property damage claims that occur while interacting with the public. For example, a fan tripping and falling during your performance, a piece of equipment damaging a venue, or a spectator getting hit and injured by a prop.
Equipment & Gear
(Annual Policy Only)
Limit Per Policy: $1M
Equipment and gear coverage (also known as “inland marine”) 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 liability insurance can cover the cost of repair or replacement.
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, the venues you play, and the spaces you rent to record, rehearse, or perform. Protect the premises you rent at no additional cost with your entertainment insurance from Insurance Canopy.
Personal & Advertising Injury
Limit Per Policy: $1,000,000
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: $2,000,000
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.
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
Why Choose Insurance Canopy for Entertainers Insurance?
Easy
Apply online 24/7 and get entertainment liability insurance coverage in 10 minutes or less, with instant access to proof of insurance. Pay monthly or save by paying on an annual basis—your choice!
Efficient
Get “A+ rated” entertainment insurance company, compare options side by side, and customize your policy to fit your needs. Choose from optional endorsements and add additional insureds right from your dashboard at any time.
Reliable
Insurance Canopy has been insuring entertainment businesses for more than a decade, so our team knows what coverage your business needs. Once you’re covered, access documents 24/7 through your online portal and update your policy as needed.
Frequently Asked Questions About Entertainment Insurance
Why Do I Need Entertainment Insurance for My Business?
As an entertainer, you can be held liable when your business operations cause illnesses, injuries, or damages to the venue or attendees. Having insurance provides a financial safety net, so if an accident occurs, you won’t have to pay hefty out-of-pocket costs.
Here are several other reasons why you should have entertainment insurance coverage:
- Wedding venues, concert halls, and other places may require you not only to have insurance but to also add them as an additional insured to your policy before allowing you to perform.
- Most performers and entertainers face unique liability risks, like setting up shows, equipment, fog machines, lighting, and stages.
- While most venues also 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.
- 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 equipment and gear coverage (aka inland marine).
What Are Common Risks Entertainers Face?
Some common risks entertainers face include:
- Third-party bodily injuries or property damage while interacting with the public
- Damaged or stolen equipment
- Accidentally scratching, scuffing, or damaging stages or venues you perform in
- Claims of slander, libel, false advertising, or infringement of copyright
- Defective merchandise that causes harm
Our entertainment insurance package can save you costs from these and other risks.
What Happens If My Equipment Gets Damaged or Stolen?
If you add equipment and gear coverage to your annual policy application, your business’s personal property, such as equipment, supplies, or inventory, is covered. Additional coverage costs range from $7.50 to $15 per month with your annual policy and can cover from $2,000 to $5,000 per policy year.
Note: This coverage does NOT cover structural property, like buildings, and is only available as an add-on to annual policies.
What Does Entertainment Liability Insurance Cover?
Our entertainment liability insurance can cover lawsuits, accidents, and third-party property damage claims. For example:
- Your speaker accidentally falls over and damages the stage, and the venue wants you to pay for repairs
- One of the guests at an event trips over your mic cord and sues you to cover the cost of their medical expenses
- An event attendee who had you paint their face experiences an allergic reaction and brings a claim against you
Claims like these can easily come into the tens of thousands, and an Insurance Canopy policy can mitigate some or all of these costs, protecting you and your business. Get covered today!
How Do I Apply for Entertainment Business Insurance?
Complete our application in as little as 10 minutes! You don’t need to request a quote. All you need for your application is:
- Personal information (name, address, and business information)
- Business operation information (gross sales, event types, number of years in business, and more)
- Knowledge of previous insurance claim history
- Details for additional insureds, tenants, or landlords that you plan to add
- Payment information
You're In Good Company With Insurance Canopy
Here's what some of our over 14,700 customers have to say about their experience.
-
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
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
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As 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
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, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’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
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Related Articles
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?”
Tips on How to Become a Comedian
Interested in becoming a stand-up comedian? Find top tips for launching your career
