Protect Yourself With SADLER’s Best In Industry Entertainer and Performer Insurance Program
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Fast and easy enrollment with instant online quote, bind, printing of proof of coverage docs and certificates for facility owners
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Savings up to 38%
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General Liability limits of $1M and $5M available
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Participant Accident limits of $5K included
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Rates available for single events or annual performances
Program Eligibility
This insurance program has been specifically designed for individual U.S.-based entertainers and performers who work on an independent contractor basis entertaining at local fairs, festivals, special events, private parties, convention, or trade show booths. Coverages provided include important liability protection for the entertainer or performer for liability claims arising out of their operations.
Limits Of Liability
| Option 1 | Option 2 | |
| General Aggregate (other than Products Completed Operations) | $5,000,000 | $5,000,000 |
| Each Occurrence | $1,000,000 | $2,000,000 |
| Products/Completed Operation Aggregate | $1,000,000 | $2,000,000 |
| Personal & Advertising Injury | Excluded | Excluded |
| Bodily Injury to Participants | $1,000,000 | $2,000,000 |
| Damage To Premises Rented To You (fire legal liability) | $1,000,000 | $1,000,000 |
| Medical Expense Payments (other than participants) | $5,000 | $5,000 |
| Medical Payments for Participants | $5,000 | $5,000 |
Higher limits are available during online quoting process.
Premium
| Option 1 | Option 2 | |
| Single Event Rate Per Performer (Single event = 10 days or less) | $181 | $264 |
| Annual Rate Per Performer (with an annual income of $30,000 or less) | $231 | $339 |
| Annual Rate Per Performer (with an annual income of $30,001 to $100,000) | $350 | $518 |
| Annual Rate Per Performer (with an annual income of $100,001 to $200,000 | $664 | $989 |
| Annual Rate Per Performer (with an annual income of $200,001 to $300,000 | $989 | $1,476 |
Rates are available from 04-01-2025 to 03-31-2026
Cost includes premium and a $20 (RPG) risk purchasing annual administration fee. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.
Agents and brokers do not have binding authority and there are no commissions included in this program.
Eligibility Criteria
The following criteria must be met to be eligible for consideration of coverage under this program:
- Entertainers must be at least 18 years of age.
- Annual gross income from the entertainer’s or performer’s activities cannot exceed $300,000.
Eligible Entertainers and Performers
- Balloon Artist
- Belly Dancer
- Caricature Sketching
- Celebrity Look-Alike
- Clown
- Comedian
- Conductor
- Contortionist
- DJ or KJ
- Face/Body Painter (FDA approved/compliant paint only)
- Holiday Character
- Impersonator
- Impressionist
- Juggler
- Magician
- Mime
- Musician, Singer or Vocalist
- Poet
- Puppeteer
- Public Speaker (Subject to review and carrier approval)
- Psychics/Fortune Teller
- Theatrical Performer (single event option only)
- Trade Show/Promotional Model (subject to review and carrier approval)
- Story Teller
- Ventriloquist
- Western Performer
- Yodeler
This list does not encompass all types of entertainers and performers that may be eligible for this coverage. This is only a summary. Please contact Sadler Sports & Recreation Insurance if you have questions about your eligibility.
Ineligible Operations
The following entertainers and performers not eligible for this program include but are not limited to the following:
- Acrobatic/Aerialist Performer
- Actor or Actress
- Circus Performer
- Cosmetologist/Beautician
- Escape Artist
- Exotic Dancer
- Fire Handlers
- Group Acts or Bands
- Henna/Mehndi Artists
- Hypnotist
- Jouster
- Mascot (college, high school, professional)
- Model (unless reported and approved by us)*
- Performer putting on an athletic exhibition
- Performer using weapons (with live ammunition or sharpened blades)
- Production/Entertainment Companies
- Public Speaker (unless reported and approved by us)*
- Pyrotechnician
- Rap, hip hop, electronic/techno or heavy metal/screamo entertainer, performer or DJ
- Strength Performer
- Stripper
- Stunt Performer
- Permanent Tattoo and/or Body Piercing Artist
*NOTE: For Model and Public Speaker – this is only available for consideration on a paper application. These will need to be submitted to carrier for review and approval. Types of individuals that we will not be able to consider are: Anyone who is controversial or where there could be controversy, pro/against abortion, tobacco/vaping/cannabis, politicians, etc.
Please see the application and policy for a complete list of ineligible operations and notable exclusions. This site is for information purposes only.
Common Accidents, Mishaps, and Lawsuits in Entertainer and Performer Insurance
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Slips/Trips/Falls: Patrons can be injured by slips, trips, and falls due to improper venue design and improper maintenance in parking lots, seating areas, concession areas, hallways, and bathrooms.
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Audience Injuries: Injuries can occur if a spectator is hit by equipment like a microphone stand or parts of a set.
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Overcrowding Incidents: Inadequate venue space can lead to trampling or falls, causing injuries to attendees.
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Stage Damage: Intense performances involving heavy equipment can damage the stage or venue structures.
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Equipment Failure: Malfunctions with rigging, lights, or sound equipment can lead to extensive damage.
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Fire Damage: Use of daisy chaining power cords without proper safety measures can lead to fires damaging the venue.
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Performers may make slanderous statements about someone else as part of their act.
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Performer advertising materials can include libelous statements.
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Work agreements may include indemnification and hold harmless provisions which make the entertainer or performer legally responsible for third party damages which would otherwise be the responsibly of the venue owner.
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Wardrobe malfunctions causing injuries.
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Power outages during performances affecting equipment and safety.
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Weather-related bodily injury at outdoor events caused by failure to cancel or postpone.
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Accidental harm to venue decorations or artworks.
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Injuries from thrown objects by the audience.
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Slip and falls in backstage areas.
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Equipment theft or loss during the events
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Legal disputes over performance rights or copyright issues.
Risk Management Tips For Entertainers and Performers
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Pre-event Planning: Conduct thorough risk assessments for each venue and adapt safety measures accordingly.
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Safety Briefings: Ensure all performers and crew are briefed on safety protocols and emergency procedures.
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Regular Equipment Checks: Maintain and inspect all performance equipment regularly to prevent malfunctions.
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Venue Coordination: Work closely with venue management to ensure compliance with all safety regulations.
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Insurance Coverage: Review and understand the scope of coverage with your insurance provider to ensure it meets all potential needs.
Frequently Asked Questions
Why is insurance essential for entertainers and performers?
Why should I choose Sadler for my entertainer and performer insurance?
How do I know what type of insurance I need as an entertainer or performer?
How can I get a quote for entertainer and performer insurance?