For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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.Â
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.Â
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.Â
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.Â
