Entertainers are experts in providing a spectacle that captivates audiences, whether through music, dance, comedy, or magic. However, even the most talented performers are not immune to accidents or unforeseen circumstances. That's where entertainer insurance comes in. With the right coverage, you can focus on delivering a memorable performance at parties and other events.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Abuse and molestation coverage included | Can be included | Yes | Can be included | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
This policy protects entertainment businesses from third-party bodily injury and property damage claims. It also serves to protect you from incurring costs in the event you are served with an advertisement infringement lawsuit. Please note this entertainer insurance coverage doesn’t cover any business-related injuries or illnesses that may befall your employees.
The coverage limit may be around $300,000 to $2 million per occurrence and aggregate. It’s possible to get higher amounts ranging from $3 million-$5 million.
Tools and equipment coverage–Grants a reimbursement if the equipment you use for performance gets lost or damaged due to fire, theft, vandalism, and other covered perils
Cyber liability coverage–Protects you from any heinous cybercrimes that may cause your business to face a financial crisis
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Yes | No |
| Deductible | $500 | $500 | $500 | $500 | $500 |
Professional liability insurance is also referred to as errors and omissions insurance. This type of entertainer and comedian insurance policy protects your entertainment business against claims issued to you by your clients for acts of negligence, failure to show up for a performance, violation of good faith, or violation of fair dealing.
Entertainers purchase professional liability insurance as a claims-made policy, meaning that coverage only applies if the insurance is used the moment a claim is filed by a client. This insurance doesn’t cover costs resulting from criminal prosecution or from any legal liability under civil law.
Professional liability insurance has $1 million-$2 million per occurrence and aggregate limit. Higher amounts of coverage may be provided upon request.
Some of the costs covered by this policy regardless of whether the claims are substantiated or not include:
Breach of contract or a violation of the terms and services offered by the entertainer
Errors and mistakes made during service delivery
Gross violation of an entertainer’s professional conduct
The inability of an entertainer to deliver their services on time
Acts of negligence performed by an entertainer
Public liability insurance for entertainers protects against costs arising from bodily injuries and property damage to a third party. This policy cannot cover an entertainer who deliberately causes property damage or bodily injuries.
Typically, the coverage limit for the public liability insurance for entertainers ranges between $1,000,000 to $5,000,000.
Reimbursement to the damaged property of the third party
Medical expenses to a third-party
Court judgements
Attorney fees
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| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $180,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
This business insurance policy helps protect either owned or rented buildings and the contents (office equipment, furniture and inventory) from unforeseen events such as fire, theft, vandalistic acts and adverse weather conditions such as hail and storms.
The coverage limit under this insurance policy ranges from $300,000 to $1,000,000. All in all, the amount of coverage you get will depend on the value of the business property to be covered.
In the event, an entertainer’s rented or owned commercial building gets destroyed by the insured perils as defined under this policy
In the event, the physical assets inside the insured building get destroyed by fire, floods, or vandalistic acts
Spoilage insurance–This add-on covers losses arising from spoilage of perishable goods stored under an entertainer’s commercial property
Business interruption coverage–Under this add-on an entertainer is compensated for any losses of income resulting from the interruption of his/her business activities
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $180,000 | $25,000/$500,000 | $35,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Business owner’s policy is an entertainer insurance cover that gets sold as a package or a bundle. This insurance policy merges the general liability insurance, commercial property insurance and business interruption insurance into one comprehensive policy.
This policy included in childrens entertainer insurance is tailored to suit the need for a comprehensive and convenient coverage. This policy covers entertainers against incurring costs of replacing and restoring damaged property, medical expenses arising from third-party bodily injuries, and from lawsuits served to them by their clients.
The coverage limit under this policy is usually $1 million per occurrence and $2 million aggregate for the liability coverage. Property coverage, on the other hand, is $25,000-$50,000.
Crime coverage–Grants a reimbursement for any financial losses if an employee or third party commits a crime against you such as theft, vandalism, forgery, social engineering, and other covered perils
Flood coverage–Grants coverage to commercial property damage due to flooding that result from storms, hurricanes, and other related natural disasters
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $45 | $540 | $0-$500 |
| Professional liability insurance | $90 | $1,080 | $500-$1,000 |
| Commercial property insurance | $134 | $1,608 | $1,000-$2,000 |
| Business owner's policy | $170 | $2,040 | $1,500 |
| Tools and equipment insurance | $55 | $660 | $500-$1,000 |
This is an insurance policy that helps protect entertainers from any financial consequence that may be brought about in the event the instrument used to generate income gets lost, damaged or stolen. Music equipment covered under this policy must be or be less than 3 years. Music equipment insured under this policy includes sound systems and musical instruments such as violins.
The coverage limit for music equipment insurance for entertainers is generally $5,000 per insured equipment.
Repair of the music equipment
Replacement of the music equipment
These costs can only be covered by an insurance company after ascertaining that your music equipment loss or damage was unintentional and not staged. For instance, if your music equipment was stolen from your car, then there must be evidence showing that there was forced entry.
If the music equipment is stolen from the automobile, house, or any other place
If the music equipment is vandalized
If the music equipment is stolen
If the music equipment gets damaged during transportation
If the music equipment gets damaged due to electrical shorts
This insurance coverage protects entertainers from liability damages and property damages caused by their owned or rented vehicles. There are 6 major components under this insurance policy which are:
Collision coverage–This helps you pay for the restoration or repair costs of your damaged vehicle after it got involved in a car crash
Comprehensive coverage–This protects you from incurring the costs of repairing a damaged vehicle due to fire, theft, vandalism, or adverse weather condition
Liability coverage–This allows you to pay the medical expenses of third parties who got injured in an accident you caused
Personal injury coverage–This coverage helps you offset your own medical bills as well as compensate you for lost wages
Uninsured and underinsured motorists–This protects you from covering your medical expenses in the event you get hit by an underinsured or uninsured motorist
Towing expenses–This add-on grants coverage for towing expenses in case the car you’re using needs to be towed and taken to the nearest repair shop or gas station
Rental reimbursement–This add-on reimburses the money you spent to rent a car because the one that you own is currently being repaired
This insurance cover protects you from incurring medical expenses which are not covered by your medical insurance after an accident. Despite it covering both minor and major disabling accidental events, this entertainer’s insurance is supplemental insurance and not a comprehensive cover. The payouts under this are in the form of cash and are made immediately.
This policy can be used as insurance for athletes and entertainers. It's important to note that this policy doesn’t provide its coverage to individuals who undertake extreme sports like scuba diving or accidents caused by a person under the influence of alcohol or drugs.
This is an insurance coverage that protects employees or workers and the immediate family member(s) of the afflicted employee from incurring costs arising from work-related sickness, injuries, and fatalities.
This government-mandated insurance policy also works to compensate partial lost wages of employees as well as costs incurred due to rehabilitation services to return the employee to his/her former working state.
Important to note is that when an employee accepts to be compensated by the workers’ comp, they forfeit their right to serve their employer with a lawsuit for negligence.
The coverage limit for this type of entertainer insurance is determined by the state the entertainer lives in.
Some of the costs covered by this insurance coverage are:
Partial lost salary or wages
Medical expenses of the afflicted employees
Rehabilitation costs
Physical and occupational therapy costs
Funeral expenses-the employee must have died due to a direct work-related cause
Employer’s liability insurance–This entertainer liability insurance protects employers from incurring costs brought up by employees who claim that their work-related injury or sickness was caused by negligent acts
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $30 | $360 | $0-$500 |
| Professional liability insurance | $45 | $540 | $500-$1,000 |
| Commercial property insurance | $80 | $960 | $1,000-$2,000 |
| Business owner's policy | $110 | $1,320 | $1,500 |
| Music equipment insurance | $35 | $420 | $500-$1,000 |
| Commercial auto insurance | $50 | $600 | $500-$1,000 |
| Workers compensation insurance | $95 | $1,140 | $2,000-$5,000 |
The average entertainer insurance cost is $30 per month or $360 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, location, revenue, policy limits, and deductibles. The table below shows the cost of companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| Thimble | $5 | $60 | Entertainers looking for temporary or short-term coverage |
| Tivly | $10 | $120 | Comparing entertainer insurance quotes over the phone |
| NEXT | $15 | $180 | Best overall; Fastest general liability insurance for entertainers |
| Coverwallet | $20 | $240 | Comparing entertainer insurance quotes online |
| The Hartford | $20 | $240 | Entertainment companies or firms that regularly tour around using automobiles |
| Hiscox | $25 | $300 | Established entertainers looking for customizable insurance policies |
| National Association of Mobile Entertainers | $51 | $612 | Membership-based coverage |
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Here are some of the best entertainer insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
It sells its policies at a discount
Its policies can be tailored to meet a client’s needs
You can easily access your certificate of insurance online after purchase
Works best for individuals who have insight on how to purchase policies online
The AM Best has rated this premium insurer an A-. NEXT specializes in selling its policies online to small-scale entertainment business owners. Some of the policies it sells include: Commercial property insurance, commercial auto insurance, general liability insurance and business owners policy.
Best for: Best overall; Fastest general liability insurance for entertainers
Average cost: $15 per month
Our rating: 10/10
It offers free and reliable quotes
It offers reliable insurance advise
Its possible to purchase its policies online
It doesn’t underwrite the policies it provides
This online insurance broker with over 29 partners and rated a B by the BBB provides a wide array of insurance essential entertainers policies among them being errors and omissions insurance, business property insurance, workers’ comp insurance, and general liability insurance. There’s no need to talk to an agent since CoverWallet has an online quotes comparison tool you can use to find the best coverage.
Best for: Comparing entertainer insurance quotes online
Average cost: $20 per month
Our rating: 10/10
Unrivaled customer services
It has a claims reporting app
It also offers its clients with financial service
Not applicable
This 200-year-old insurance provider and financial institution has been rated A+ consecutively for the last recent years by AM Best and the Better Business Bureau. The Hartford specializes in offering commercial and personal auto, business, and homeowners’ policies to its never-ending clientele.
Best for: Entertainment companies or firms that regularly tour around using automobiles
Average cost: $20 per month
Our ratings: 10/10
Fast quotes
Deals with multiple insurance policies
It matches its clients with insurers who meet their coverage needs
It hasn’t developed its mobile app
AM Best has rated Tivly an A+. Having partnered with over 200 insurers, Tivly provides its clients with a wide range of insurance policies among them being workers’ comp, commercial general liability, and business owners policy. Call now to compare quotes over the phone.
Best for: Comparing entertainer insurance quotes over the phone
Average cost: $10 per month
Our rating: 9/10
Offers extremely flexible premiums
It provides its clientele with free online quotes
One can purchase their preferred choice of policy online
It’s an insurance agent and not an insurance company
Despite not underwriting its policies, this A rated online insurance agent has over the years provided both long-term and short-term insurance coverages to its clientele at an affordable rate. Some of the entertainers insurance policies sold by Thimble are general liability, music equipment insurance, business owners policy, commercial property insurance, and event insurance.
Best for: Entertainers looking for temporary or short-term coverage
Average cost: $5 per month
Our rating: 8/10
It has developed an extremely straightforward website
It has developed a mobile application
Its policies are discounted
Its only available in the 49 states of the USA
Hiscox is an A+ rated insurance company that was established in 1901 and that offers its clients spread across the 49 states with the following entertainer’s insurance policies: Errors and omissions, general liability insurance, workers’ com insurance and commercial auto insurance policies.
Best for: Established entertainers looking for customizable insurance policies
Average cost: $25 per month
Our rating: 8/10
Fast coverage for members
Designed to cover exposures unique to entertainers
No information about coverage limits
The National Association of Mobile Entertainers works with American Speciality Insurance to cover its members. Policies offered include general liability, commercial property, business owner’s policy, and others.
Best for: Membership-based coverage
Average cost: $51 per month
Our rating: 10/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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