Fire Performers Insurance: Cost & Quotes From 45/mo

Table of contents
1. General Liability Insurance for Fire Performers 1.1. What Are the Typical Coverage Limits?1.2. Add-Ons to General Liability Insurance for Fire Performers2. Professional Liability Insurance for Fire Performers2.1. What Coverage Limits to Get for Professional Liability Insurance?3. Public Liability Insurance for Fire Performers3.1. Do I Need Public Liability Insurance?4. Commercial Property Insurance for Fire Performers4.1. Add-Ons to Commercial Property Insurance for Fire Performers 4.2. Fire Performer Commercial Property Insurance Coverage Limits5. Business Owner’s Policy for Fire Performers5.1. What Are the Coverage Limits of a BOP?6. Commercial Auto Insurance for Fire Performers6.1. Components of Commercial Auto Insurance for Fire Performers6.2. What is Not Covered Under Commercial Auto Insurance?6.3. Why Can’t I Just Use My Personal Auto Insurance?7. Accident Insurance for Fire Performers7.1. Does Accident Insurance Cover Intentional Injuries?8. Workers Compensation Insurance for Fire Performers8.1. Is Workers’ Comp Insurance Legally Required?8.2. Does Workers’ Comp Pay Death Benefits?9. Fire Performer Insurance Cost10. Best Fire Performer Insurance Companies10.1. NEXT Fire Performer Insurance 10.1.1. Pros10.1.2. Cons10.2. The Hartford Fire Performer Insurance 10.2.1. Pros10.2.2. Cons10.3. CoverWallet Fire Performer Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Fire Performer Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Fire Performer Insurance 10.5.1. Pros 10.5.2. Cons10.6. Hiscox Fire Performer Insurance 10.6.1. Pros10.6.2. Cons

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

General Liability Insurance for Fire Performers

CoverWallet NEXT (Best)Thimble HiscoxThe 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
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
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Abuse and molestation coverage includedCan be includedYesCan be includedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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.

What Are the Typical Coverage Limits?

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.

Add-Ons to General Liability Insurance for Fire Performers

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

Professional Liability Insurance for Fire Performers

CoverWallet (Best)NEXT Thimble HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesYesNo
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. 

What Coverage Limits to Get for Professional 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

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

Do I Need Public Liability Insurance?

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.