Entertainers Liability Insurance
April 6th, 2012Two years ago, when I was finally ready to go from doing volunteer events to paid events, I knew I wanted to have liability insurance. It seemed like most of my friends had their insurance through the World Clown Association. They offer insurance as an additional option when paying the annual membership dues. It seemed like the easiest option. Although, the insurance is offered by the World Clown Association, I know a lot of non-clowns who do either balloons or face painting who join just for their insurance.
World Clown Membership and Insurance
If you get your insurance through the World Clown Association, their policy year ends on April 30th, 2012. It is time to renew your membership and pay for another year of insurance.
New Members – $40
Membership Renewal – $35
Liability Insurance – $139
They do offer Additional Insurance for a client who requests being added to your policy.
From their website:
Coverage: This is a Comprehensive General Liability Policy provided by an A-rated insurance company with coverage of $1,000,000 per occurrence/$2,000,000 aggregate per event.
Deductible: None The price remains the same regardless of number of months covered (The fee is NOT prorated) and includes Premium, Brokerage fee and Association handling fee.
Policy Exclusions: This program is designed for Clowns and Magicians.
The following types of performances are NOT ACCEPTABLE.
- Hypnosis
- Hot Air Balloon Events, Circuses (production), overnight camping Tractor pulls, Rodeo and roping events, motorized events, Mechanical amusement devices, inflatables, rock climb,Bounce Houses, laser tag, sky diving, competition racing.
- Pyrotechnics, Explosives, Fireworks or similar materials except “concussion effects, “flashpots”, and “smokepots” (Flashboxes covered up to $5,000)
- Production Management or Promotions Management for hire
- Animals except performing dogs, doves and rabbits
- Musicians and Disc Jockeys, except clowns/magicians who engage in these activities as part of their act
- Copyright infringement exclusion (i.e. Barney, Mickey Mouse, Bugs Bunny)
- Throwing objects (juggling is acceptable)
Be sure to evaluate your insurance needs and pick the coverage that is right for you. If you hire employees or have special requirements, you may want to get a different policy. Other companies that offer insurance include:
Specialty Insurance Agency
http://www.specialtyinsuranceagency.com/
K&K Insurance Group
http://www.kandkinsurance.com/Entertainment/Pages/Entertainers-Performers.aspx
Cossio Insurance Agency
http://entertainerinsurance.com/