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As a fire performer, you are familiar with all the challenges of a growing industry. Costs continue to grow as more people enter the entertainment section.
In order to mitigate the effects of unexpected liabilities and expenses its vital to invest in Fire performers insurance.
This article features the components of a good fire performers insurance policy, including;
- How much premiums cost
- The best companies for fire performers insurance
General Liability Insurance for Fire Performers
General liability insurance protects fire performers from claims related to bodily injury, personal injuries, and property damage.
Typically general liability policies for fire dancing insurance have a $1 per occurrence limit and a $2 million aggregate limit. These work for most businesses, but asking an agent to figure out what is best for you is always a good idea
| 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 |
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Professional Liability Insurance for Fire Performers
Professional liability insurance covers mistakes and omissions that cause liabilities during the course of your fire performance. These typically include,negligence, inadequate technique, lack of experience, and many more
Coverage limits you might want for this type of fire performers insurance are between $500,000 and $1 million per occurrence and aggregate limit. But still, note that more is better.
| 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 |
Public Liability Insurance for Fire Performers
Public liability insurance for fire performers is similar to general liability insurance but only concerns members of the public. This doesn’t have some of the add-ons commonly found in general liability insurance. Some situations to use public liability include:
- A visitor to your fire dancing event becomes injured
- While getting a delivery at your venue, the delivery person gets burned by fire
Commercial Property Insurance for Fire Performers
Commercial property insurance protects any business buildings and property that a fire performer possesses. It covers things like fire, theft, riots, vandalism, and other covered perils.
Commercial property insurance for fire dancers provides $15,000-$25,000 minimum coverage. Higher limits are available in case the business property you want to cover is very valuable.
| 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 |
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Business Owner’s Policy for Fire Performers
A business owner’s policy combines several different insurance policies, mainly commercial property and general liability, but others can be included as well.
Business owner policies have limits as low as $300,000 but can get as high as $2 million for its general liability coverage. Property coverage limits range from $15,000-$50,000.
| 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 |
Commercial Auto Insurance for Fire Performers
Commercial auto insurance offers protection for liabilities that your work vehicles can incur. It covers things like collision, medical payments, physical damage, and non-owned coverage. Some examples of times to use commercial auto include:
- Your work vehicle gets broken into while you are performing at a venue
- While transporting supplies to a venue, you get into a collision accident
Components of Commercial Auto Insurance for Fire Performers
Commercial auto insurance is typically made up of several different components. The table below shows how each works.
| Collision | Covers damage specifically from auto accidents to your car |
| Comprehensive | Covers all other kinds of physical damage to your car, including things like natural disasters, theft, and vandalism |
| Bodily injury liability | Covers accident-related injury costs when you are at fault for a vehicle accident |
| Uninsured motorist | Covers gaps in insurance due to injuries or property damage that an uninsured person cannot cover with their insurance policy |
| Rental reimbursement | If your vehicle is disabled, this option reimburses you for vehicle rental expenses |
Workers Compensation Insurance for Fire Performers
Worker’s compensation insurance is typically required for any fire performers who have employees that work under them. It covers lost wages and medical expenses for injury or illness while on the job. Below is a few examples of when to use this insurance:
- An employee of your fire-performing business gets injured and is temporarily disabled
- Your employee gets a lung health issue from inhaling smoke
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Fire Performer Insurance Cost
Fire dancing insurance is $45 per month or $540 per year. Factors that affect the cost of premiums are claims history, business history, deductibles, coverage limits, and more.
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $45 | $540 | $0-$500 |
| Professional liability insurance | $57 | $684 | $500-$1,000 |
| Commercial property insurance | $60 | $720 | $1,000-$2,500 |
| Business owner’s policy | $115 | $1,380 | $500-$1,000 |
| Commercial auto insurance | $82 | $984 | $1,000-$1,500 |
| Workers compensation insurance | $135 | $1,620 | $2,000-$5,000 |
| Accident insurance | $130 | $1,560 | $2,000-$5,000 |
Best Insurance for Fire Performers
NEXT
NEXT offers fantastic policy options to build your fire performer insurance. You can choose between general liability, commercial property, professional liability, workers’ comp, and many more. Next has an A- rating from AM Best and a B+ rating from the Better Business Bureau.
Average cost: $25 per month
Our rating: 10/10
Pros
- Best overall
- Issues an online proof of insurance instantly
- Fastest general liability insurance for fire performers
- Great customer service and reputation
- Excellent rates
- Outstanding value for money
- Get a 10% discount if you buy two or more policies
Cons
- Couldn’t find any
The Hartford
The Hartford offers specialized entertainment business policies that set you up with general liability, commercial property, and workers’ compensation.
The Hartford has an A+ rating from AM Best and an A+ from BBB. They also have an A+ rating from Fitch.
Average cost: $30 per month
Our rating: 10/10
Pros
- Insurance solutions for performers and entertainers
- Great policy options
- Renowned underwriter for workers comp insurance
Cons
- Doesn’t have coverage in Hawaii
Compare Cheap Fire Performers Insurance Quotes Online
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CoverWallet
CoverWallet is a digital wallet for your insurance policies. You can track the different components of your fire dancer policy, even if they come from different companies. They offer essential components like general liability, business owner’s policy, commercial property, professional liability, and commercial auto.
Average cost: $28 per month
Our rating: 10/10
Pros
- Online dashboard makes tracking your policy easy
- Compare quotes with different partners
- HNOA coverage automatically added to general liability insurance
Cons
- Not an insurance company but an insurance broker
Tivly®
Tivly® offers general liability, workers comp insurance, professional liability, commercial property, and more. They have an A rating from the BBB and over 20 years of experience in the insurance industry.
Average cost: $33 per month
Our rating: 9/10
Pros
- Over 200 partners to choose from
- Helps connect you with the right insurance companies
- Personalized approach in granting coverage
Cons
- No online quotes
Thimble
Thimble has entertainment and dancers insurance policies that can be customized for fire performers. They offer a host of policies like general liability and professional liability, commercial property, and many more. This company has an A rating from AM Best and an A+ rating from the BBB.
Average cost: $35 per month
Our rating: 9/10
Pros
- Entertainment focused-policies
- Numerous add-ons to general liability insurance
- Short-term coverage available
Cons
- Online-only customer support
Hiscox
Pros
- Multiple Hiscox policies can be bundled for cheaper
- 14-day refund policy
- Worldwide coverage on its liability insurance
Cons
- No coverage offered in Alaska
Hiscox offers small business-focused policies that their agents help you completely customize for their needs. They have fire insurance policies and other great fire-dancer policy options like general liability, professional liability, and commercial property insurance. Hiscox serves over 500,000 customers, who are primarily small business customers. They have an A rating for financial strength from AM Best.
Average cost: $38 per month
Our rating: 9/10
