Magician Insurance: Cost & Quotes From $25/mo

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As a magician, your captivating performances and mind-bending tricks mesmerize audiences at parties and other gatherings. However, behind the scenes, protecting tyourself and your business from unexpected mishaps is essential. Magician insurance offers comprehensive coverage tailored to the unique risks faced by magicians, ensuring peace of mind during your shows and beyond.  

It is crucial to consider protecting yourself and your business with magician insurance. While the world of magic is full of wonder and excitement, it also comes with inherent risks. Whether you perform on the sage or at a street fair, accidents can happen.  Having a magicians insurance policy can provide you with peace of mind and financial protection.

General Liability Insurance for Magicians

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $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 No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance protects magicians in case they cause property damage or bodily injuries to individuals during their performances or other related activities. This insurance coverage helps magicians manage potential financial liabilities arising from such incidents. The following are specific situations where this insurance covers:

  • Coverage for accidents that result in bodily harm to spectators, volunteers, or other individuals attending the magician’s performances or events

  • Protection for accidental damage caused to venues, equipment, or other property during the magician’s performances or while setting up or dismantling equipment

  • Coverage for injuries or property damage resulting from slips, trips, or falls caused by the magician’s equipment, props, or staging

Coverage Limits of General Liability Insurance for Magicians  

Coverage limitations are usually $100,000–$1 million per occurrence and aggregate. 


Add-Ons to General Liability Insurance for Magicians

  • Equipment coverage–This add-on covers the magician’s equipment, props, and supplies against theft, loss, or damage

  • Hired/non-owned auto liability–If a magician uses a vehicle that they do not own for business purposes, this add-on provides liability coverage in case of an accident

Are There Any Special Requirements for High-Risk Magic Performances?

For high-risk magic performances involving fire or dangerous stunts, magicians may need to comply with additional requirements or provide specific documentation to the insurance company.


Professional Indemnity Insurance for Magicians

CoverWallet  NEXT Thimble (Best) 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
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


Professional Indemnity Insurance covers magicians against claims made by clients due to negligent services or advice provided. It covers legal expenses, settlements, and judgments resulting from claims of negligence, errors, or omissions.  The following are specific situations covered by this insurance:

  • If a magician provides false or misleading information that leads to financial loss or harm to a client, this insurance may cover the resulting claims

  • If a magician makes a mistake during a performance, leading to dissatisfaction or financial loss for the client, the insurance can provide coverage

Coverage Limits of Professional Indemnity Insurance for Magicians

Policy limitations vary from $100,000 to $1,000,000 or more. Insurance provider and policy determine coverage limits. 


Add-Ons to Professional Indemnity Insurance for Magicians

  • Abuse and molestation coverage–This add-on protects magicians against abuse or molesting charges. It can cover legal defense, settlements, and judgments for such claims.

  • Legal E=expenses coverage–This coverage covers legal fees, court costs, and other expenses associated with defending against claims or legal disputes

Compare Cheap Magician Insurance Quotes Online

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Commercial Property Insurance for Magicians

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance covers the property and assets of magicians and their businesses. It covers the physical assets, such as props, equipment, inventory, and other business-related items. The following are situations covered by this insurance:

  • Fire

  • Theft

  • Vandalism

  • Lightning

  • Sinkhole collapse

  • Weather

  • Falling objects

Add-Ons to Commercial Property Insurance for Magicians

  • Equipment breakdown coverage–This add-on covers the expense of repairing or replacing important equipment like sound systems, lighting, and props

  • Valuable items coverage–This addon helps if you have expensive or unusual magic props or equipment, you may wish to add coverage to secure its full replacement worth

Coverage Limits Commercial Property Insurance for Magicians

Commercial property insurance offers $25,000-$60,000 coverage for the building and its contents. 


Business Owner’s Policy for Magicians

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $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 BOP) is a comprehensive insurance package designed for small enterprises, including magicians. It combines general liability, commercial property, business interruption, and other insurance policies. The following are specific situations covered by this magicians insurance policy:

  • Property damage due to fire, theft, vandalism, and other covered perils 

  • Claims of bodily injury or property damage caused by the magician’s performance or business operations

  • Business interruption due to a fire or natural disaster

Coverage Limits of Business Owner’s Policy for Magicians

A business owner’s policy offers a $500,000-$1 million general liability coverage and $25,000-$60,000 commercial property coverage. 


Add-Ons to a Business Owner’s Policy for Magicians

  • Cyber liability–Cyber liability insurance can cover data breaches, hacks, and other cyber hazards if you handle client data and use online booking or payment platforms

  • Equipment breakdown coverage–This add-on pays to repair or replace vital equipment that breaks down mechanically or electrically

Tools and Equipment Insurance for Magicians

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance for magicians provides coverage for the tools, equipment, and props used by magicians in their performances and shows. This magician insurance is designed to protect magicians against financial loss or damage to their essential equipment.


Add-Ons toTools and Equipment Insurance for Magicians

  • Business interruption coverage–This covers lost income or expenses if the magician’s tools or equipment are damaged or stolen, causing performance cancellations or postponements

  • Replacement cost coverage–This coverage reimburses the cost of replacing damaged or lost products with new ones of the same sort and quality

Is Accidental Damage Covered During Performances?

The insurance policy determines accidental damage during performances. Some plans cover accidental damage during performances, but others may have restrictions. To determine coverage for accidental damage during performances, read the policy or contact the insurer.


Coverage Limits of Tools and Equipment Insurance for Magicians

The coverage limits start from $50,000 to $5 million.


Two magicians performing a floating trick.


Commercial Auto Insurance for Magicians

Commercial auto insurance is a form of insurance coverage designed specifically for magicians who use vehicles for business purposes. It protects magicians and their vehicles in the event of an accident, damage, or liability while performing magic shows or traveling between venues. The following are specific situations in which this magicians insurance policy covers:

  • This insurance can cover a magician’s vehicle’s repairs or value if it’s totaled

  • This insurance can cover medical, rehabilitation, and legal fees if the magician’s vehicle hits someone

  • The magician’s commercial property insurance can pay to repair or replace property damaged by his vehicle

Coverage Limits of Commercial Auto Insurance for Magicians

This form of insurance often covers $100,000 to $5 million, depending on the policy and the magician’s needs.



Add-Ons to Commercial Auto Insurance for Magicians

  • Personal property coverage–This add-on protects the magician’s props and equipment from damage, theft, or loss in the vehicle

  • Rental reimbursement–This add-on covers the expense of renting a vehicle while the magician’s vehicle is being repaired due to a covered occurrence

Are There Any Specific Requirements or Qualifications to Obtain Commercial Auto Insurance for Magicians?

Commercial auto insurance providers may have certain criteria for policy issuance. Having a valid driver’s license, a decent driving record, and business details are some of these prerequisites. Contact insurance providers directly to discuss your condition and needs.


Excess Liability Insurance for Magicians 

Excess liability insurance provides additional protection beyond a magician’s primary liability insurance policy. Suppose your general liability insurance only offers $1 million and someone files a $2 million lawsuit. Excess liability insurance will cover the remaining $1 million, so you don’t have to use your personal reserves. 


Coverage Limit of Excess Liability Insurance for Magicians

The coverage limit for excess liability insurance typically ranges from $100,000 to $1 million, depending on the specific policy and the magician’s needs. 


Workers Compensation Insurance for Magicians

Workers compensation insurance provides coverage for work-related injuries or illnesses sustained by magicians during the course of their performances. This covers medical bills, lost wages, rehabilitation costs, and death benefits. 


Coverage Limits of Workers Compensation Insurance for Magicians

Workers compensation insurance has no  set limit. Payouts depend on which state you’re doing business. 


Can I Add Disability Coverage to My Policy?

Adding disability coverage to your policy depends on the insurance provider. Disability insurance replaces income if you can’t work. Ask your insurance company if this option is available and matches your needs.

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Magician Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $27 $324 $0-$500
Professional liability insurance $38 $456 $1,000-$2,000
Excess liability insurance $45 $540 $1,000-$2,000
Commercial property insurance $61 $732 $1,000-$2,000
Business owner’s policy $77 $924 $1,500
Tools and equipment insurance $30 $360 $500-$1,000
Commercial auto insurance $42 $504 $500-$1,000
Workers compensation insurance $80 $960 $2,500-$5,000


The average magician insurance cost is $27 per month or $324 per year for a $1 million general liability policy. Premiums will depend on:

  • Type and level of coverage–General liability, professional indemnity, and property insurance cost differently. Coverage limits and deductibles also affect premiums 

  • Business size and revenue–Your business’s revenue and personnel count can affect insurance costs. Riskier enterprises with higher revenue may have higher rates

  • Business location–Local restrictions, crime rates, and geographical risk factors affect premiums

  • Experience and claims history–Insurance companies examine the magician’s experience and claims history when setting rates. A magician with no claims and years of experience may have reduced premiums

  • Services–The type of magic you do can effect insurance premiums. Performances with risky props or stunts may cost more

  • Equipment value–Your tools, props, and equipment can affect insurance. Higher-value items may demand additional coverage thus resulting higher premiums

  • Annual revenue–Insurance fees may depend on the magician’s annual revenue. Revenue increases risk exposure and premiums

In connection, here’s a table showing the cost of a $1 million general liability policy from the best magician insurance companies:

Cost per Month Cost per Year Best for
NEXT $12 $144 Best overall; Fastest general liability insurance for magicians
CoverWallet $15 $180 Comparing magician insurance quotes online
The Hartford $17 $204 Magicians seeking comprehensive coverage options and value the financial stability and reputation of the insurance provider
Tivly $19 $228 Comparing magician insurance quotes over the phone
Thimble $22 $264 Magicians who prefer flexibility and need short-term insurance coverage for specific events or gigs
Hiscox $25 $300 Liability insurance for magicians with worldwide coverage

Compare Cheap Magician Insurance Quotes Online

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

Best Magician Insurance Companies

Here are the best magician insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy.


NEXT Magician Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for magicians

  • 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

NEXT is an insurance company that primarily focuses on providing coverage for small businesses and independent contractors. They offer a wide range of insurance products tailored to specific industries such as magicians, dancers, fitness professionals, photographers, and more.

Best for: Best overall; Fastest general liability insurance for magicians

Average cost: $12 per month

Our rating: 10/10


CoverWallet Magician Insurance

Pros

  • Offers customizable insurance policies for magicians

  • Provides a user-friendly online platform for purchasing and managing insurance

  • Offers a range of coverage options to meet the specific needs of magicians

Cons

  • Not an insurance company but an insurance broker 

CoverWallet is an insurance technology company that offers online tools and resources to simplify the insurance buying process for small businesses. They provide access to a wide range of insurance products from multiple carriers.

Best for: Comparing magician insurance quotes online 

Average cost: $15 per month

Our rating: 10/10


The Hartford Magician Insurance

Pros

  • Offers specialized insurance coverage for entertainers, including magicians

  • Provides comprehensive general liability coverage tailored to the needs of magicians

  • Offers additional coverages such as equipment protection, business interruption, and more

  • Known for its strong financial stability and reputation in the insurance industry

Cons

  • Premiums may be higher compared to some other insurance providers

The Hartford is a well-established insurance company that offers a range of insurance products, including auto, home, and business insurance. They focus on serving individuals, small businesses, and midsize commercial enterprises.

Best for: Magicians seeking comprehensive coverage options and value the financial stability and reputation of the insurance provider

Average cost: $17 per month

Our rating: 10/10


Tivly Magician Insurance

Pros

  • There is a special insurance coverage for performers, including magicians

  • Offers customizable policies which can meet the unique needs of magicians

  • Provides general liability coverage and additional options such as equipment coverage and event cancellation coverage

Cons

  • Pricing and specific coverage details may vary

Tivly is a Florida-based insurance corporation headquartered in St. Petersburg. It provides insurance coverage to individuals and enterprises in the local market and in other states. As a general insurance provider, Tivly offers coverage for areas such as auto, home, and business insurance, although the specifics of its products and services may differ. Call now to compare quotes over the phone. 

Best for: Comparing magician insurance quotes over the phone

Average cost: $19 per month

Our rating: 9/10


Thimble Magician Insurance

Pros

  • Offers on-demand, flexible insurance coverage that can be purchased by the hour, day, or month

  • Provides general liability coverage and optional additional coverages

  • Offers a user-friendly mobile app for purchasing and managing insurance

  • Known for its fast and easy application process

Cons

  • Couldn’t find any

Thimble provides on-demand insurance for small enterprises and independent workers. Thimble offers short-term insurance for projects. They encompass contractors, freelancers, photographers, event planners, and more. Thimble’s digital platform lets users buy insurance instantly and start coverage the next day.

Best for: Magicians who prefer flexibility and need short-term insurance coverage for specific events or gigs

Average cost: $22 per month

Our rating: 9/10


Hiscox Magician Insurance

Pros

  • Offers customizable insurance policies for various professions, including magicians.

  • Provides general liability coverage and additional options such as professional liability (errors and omissions) coverage which is a boost to magicians

  • Has a strong financial rating and reputation

Cons

  • Doesn’t offer coverage in Alaska

Hiscox is a global specialty insurer. They specialize in business insurance. Hiscox provides professional liability, general liability, commercial property, BOP, and cyber liability insurance. They serve technology, healthcare, professional services, and more. Hiscox is noted for its competence in insuring complex risks, financial strength, and commitment to tailoring insurance solutions to clients’ needs.

Best for: Liability insurance for magicians with worldwide coverage

Average cost: $25 per month

Our rating: 9/10

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