Data USA estimates that over 2 million Americans were employed in the entertainment industry in 2019. 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.
Fire performers insurance is an important thing to invest in to help mitigate the effects of unexpected liabilities and expenses. This article will look at the components of a good fire performers insurance policy, including topics like:
The inclusions in fire performers insurance package
How much premiums cost
The best companies for fire performers insurance
| 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 |
General liability insurance protects fire performers from claims related to bodily injury, personal injuries, and property damage. Below are a few example situations where general liability can cover you.
Your fire performance causes damage to a client’s building
A patron is accidentally injured during your show
Another fire performer accused you of slandering his or her name.
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.
General liability insurance for fire performers can be customized and made more comprehensive with these add-ons:
HNOA coverage–Hired/non-owned auto liability coverage covers the medical expenses of third parties who got injured in an accident caused by a vehicle you hired or borrowed
Customer property coverage–This overrides the CCC exclusion in general liability insurance and allows you to reimburse third parties if their property gets lost or damaged while in your custody
| 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 covers mistakes and omissions that cause liabilities during the course of your fire performance. These typically include things like negligence, inadequate technique, lack of experience, etc. Some insurance companies allow you to avail professional liability insurance as an add-on to general liability insurance.
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.
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
You probably won’t need public liability insurance if you have a general liability policy. Moreover, if you’re in the USA, most insurance companies will offer general liability insurance. That said, you won’t even get the option of getting public liability insurance.
Get all the best quotes from leading providers in a click of a button!
| 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 |
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. Below is a few situations where this insurance can come in handy.
You rent an office for your fire dance business, and it catches on fire
You store your equipment in a designated workspace, and it gets stolen or damaged
Add-ons to commercial property insurance are:
Equipment breakdown coverage–Grants coverage for repair or replacement expenses if your equipment is damaged due to mishandling, impact, mechanical breakdown, or electrical breakdown
Business interruption coverage–Takes care of operational costs and some lost revenues if fire, theft, relocation, or renovation forces you to temporarily halt business operations
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 | |
|---|---|---|---|---|---|
| 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 |
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’s policy can be used when:
Your fire performance routine singes a customer's clothes
The business property, where you store your equipment, gets robbed
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.
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
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 |
Any intentional damage to your vehicle, as well as damage from pollutants, is not covered under commercial auto insurance.
Personal auto insurance does not cover a vehicle used for business purposes. Many personal auto policies will only cover non-work use or commuting use of your vehicle.
Accident insurance covers any incidents that cause you to become injured and suffer damages, even outside of work. Below are a few situations where you might use this coverage.
You suffer a sprained ankle that affects your ability to perform a fire dance
You have to check into a hospital after a personal accident that causes minor damage to your arm
.
No, injuries have to pass a qualifying threshold to be covered. This threshold typically excludes injuries that are self-inflicted or resulted from drug abuse and use of alcohol.
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
Yes, in most cases, if you have employees, worker’s comp insurance is legally required to operate your business.
Yes, if an employee is killed on the job, any survivors and benefits will receive the full benefit amount the worker would have gotten.
| 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 |
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. Here’s a table showing the rates of companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for fire performers |
| CoverWallet | $28 | $336 | Comparing fire performer insurance quotes online |
| The Hartford | $30 | $360 | Workers compensation insurance for fire performers |
| Tivly | $33 | $396 | Comparing fire performer insurance quotes over the phone |
| Thimble | $35 | $420 | Short-term coverage for fire performers |
| Hiscox | $38 | $456 | Fire performer insurance with a 14-day money back guarantee |
Get all the best quotes from leading providers in a click of a button!
Below are the best companies that sell insurance for fire performers. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
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
Couldn’t find any
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. These ratings mean the company is financially secure and has good customer reviews.
Best for: Best overall; Fastest general liability insurance for fire performers
Average cost: $25 per month
Our rating: 10/10
Insurance solutions for performers and entertainers
Great policy options
Renowned underwriter for workers comp insurance
Doesn’t have coverage in Hawaii
The Hartford offers specialized entertainment business policies that set you up with general liability, commercial property, and workes’ compensation. You can also protect your business with coverage that works in over 200 countries. The Hartford has an A+ rating from AM Best and an A+ from BBB. They also have an A+ rating from Fitch.
Best for: Workers compensation insurance for fire performers
Average cost: $30 per month
Our rating: 10/10
Online dashboard makes tracking your policy easy
Compare quotes with different partners
HNOA coverage automatically added to general liability insurance
Not an insurance company but an insurance broker
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.
Best for: Comparing fire performer insurance quotes online
Average cost: $28 per month
Our rating: 10/10
Over 200 partners to choose from
Helps connect you with the right insurance companies
Personalized approach in granting coverage
No online quotes
Tivly offers general liability, workers comp insurance, professional liability, commercial property, and more with their 200 partners that they can connect you with. They have an A rating from the BBB and over 20 years of experience in the insurance industry. They use a flexible targeting system that gives you more control over buying coverage that you need without also getting the coverage you don’t want. Call a representative now to compare quotes over the phone.
Best for: Comparing fire performer insurance quotes over the phone
Average cost: $33 per month
Our rating: 9/10
Entertainment focused-policies
Numerous add-ons to general liability insurance
Short-term coverage available
Online-only customer support
Thimble has entertainment and dancers insurance policies that can be customized for fire performers. They also have street performer insurance if you take your fire dancing to the public. 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.
Best for: Short-term coverage for fire performers
Average cost: $35 per month
Our rating: 9/10
Multiple Hiscox policies can be bundled for cheaper
14-day refund policy
Worldwide coverage on its liability insurance
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.
Best for: Fire performer insurance with a 14-day money-back guarantee
Average cost: $38 per month
Our rating: 9/10
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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