Insurance for Fire Performers & Dancers

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Updated: March 22, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

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

 

Compare Cheap Fire Performers Insurance Quotes Online

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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

Get all the best quotes from leading providers in a click of a button!

 

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

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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