We offer liability insurance to individual, U.S.-based performers entertaining the public as sole proprietors and independent contractors. Our policy protects against bodily injury to a spectator or property damage to a performing premises.
Insureds must have a U.S. mailing address to be eligible for coverage under this policy, and the premium must be paid in US dollars. Please note that giving a false address to qualify for coverage is misrepresentation and could result in your coverage being cancelled and any claims being denied.
This is not group coverage, meaning that this policy will only cover you as an individual person and your performance. Our base policy does not provide coverage to others that work with you.
Please note that bodily injury to a fellow performer insured under this policy during any practice or performance is excluded from coverage. Additionally, there is a 30-foot height restriction; any activity over 30 feet is excluded from coverage.
Coverage territory extends throughout the US (including its territories and possessions), Puerto Rico, and Canada, as well as international waters – but only if injury or damage occurs in the course of transportation between the aforementioned places (e.g. leaving from the US and returning to the US).
Apply for a Policy
Renewing Coverage
Approximately six weeks prior to your expiration, we will mail you an invoice. The information on the invoice is produced from the file that we have created for you, from the information that you have provided. Please review the invoice for any information that has changed and advise us as to what has changed. You can write your changes on the invoice and mail it to us, or log into your online account and submit an account change request.
To renew your coverage you can mail in the invoice with your check or money order, or you can pay online with your credit card. There is a 3.25% service fee for paying with a credit card. Please note that we do not accept debit card payments at this time. You can avoid this fee by mailing the invoice back with your check or money order. Read our Renewal Newsletter for policies beginning April 1, 2025 and after.
Safety
Our goal at Specialty Insurance Agency is to provide affordable insurance to our members.
Our insurance premiums are primarily calculated using two metrics: the number of members in a group, along with the amount paid out in claims the prior five years. In order to keep our premium costs low, claim reduction is key - but so is having a large enough group that our underwriter’s risk analysis is accurate.
Base Policy Coverage Provided
Commercial General Liability with Additional Insured Endorsement, Waiver of Subrogation, and Primary Non-Contributory Endorsement – coverage that protects the insured against liability claims for bodily injury and property damage arising out of their operations.
Legal Liability to Audience Participants – coverage that offers protection against bodily injury liability claims brought by persons participating in covered activities. Please note that athletic participation by audience members is excluded. No audience participation is allowed with aerial or fire performing.
Medical Payment for Audience Participants – coverage that pays the medical and dental expenses incurred by a participant when an accidental injury occurs while participating in the insured’s covered activities. The coverage is provided on a primary basis. Please note that athletic participation by audience members is excluded. No audience participation is allowed with aerial or fire performing.
Coverage Limits & Pricing
| Commercial General Liability Coverage | Option 1 Limits | Option 2 Limits |
|---|---|---|
| Each Occurrence | $1,000,000 | $3,000,000 |
| General Aggregate | $2,000,000 | $5,000,000 |
| Products-Completed Operations Aggregate | $2,000,000 | $5,000,000 |
| Personal & Advertising Injury | $1,000,000 | $3,000,000 |
| Fire Legal Liability Damage to Rental Premises | $300,000 | $300,000 |
| Medical Expenses to Others | $5,000 |
$5,000 |
| Deductible | $0.00 |
$0.00 |
| Premium Costs (for policies beginning before 4/1/2026) | Option 1 Limits | Option 2 Limits |
|---|---|---|
| Most Performers Annual Coverage, Group 1 | $304.00* | $850.00* |
| Aerialist, Fire Performers, & Knife Throwers Annual Coverage, Group 2 | $326.00* | $900.00* |
| Foam Artists Annual Coverage, Group 3 | $408.00* | $1,015.00* |
| 10-Days or Less Single Event/Show Coverage, Group 1 | $149.00 | $420.00 |
| 10-Days or Less Single Event/Show Coverage, Group 2 | $171.00 | $470.00 |
| 10-Days or Less Single Event/Show Coverage, Group 3 | $253.00 | $585.00 |
| 2-Months, Nov 1 - Dec 31 Santa Coverage (details below) | $195.00 | $299.00 |
*Based off 0-19 performing days in the past year. Add $10 for 20+ performing days in the past year for risk exposure.
Santa Insurance
We offer a two-month Santa policy that will cover Santa plus one additional person for the time period of November 1 through December 31. The additional person can be Mrs. Clause, a costume character such as an elf, or someone taking photos.
To purchase the Santa policy for the two months of coverage, complete the performer application and check the "Santa" box in Group 1. Both limits of coverage options are available.
Apply for Santa InsuranceRead below for important policy information.
All SIA policies are non-refundable after coverage begins.
This is a 100-percent earned premium policy and no refunds are given once coverage begins. This rule was put in place by our underwriter, not our agency. 100-percent earned premium policies are common in Commercial General Liability (CGL) policies, especially those with low premiums like ours. This is because there's a possibility of a high claim payout with CGL policies, and by law our underwriter needs to ensure that there are enough premiums in the bank to pay these possible claims. Even if you were only covered for one day, a $1M+ claim could be filed for that day - sometimes even years later.
You can cancel your policy prior to coverage starting for a refund. An administrative fee of $10 for single-event coverage or $20 for annual policies will be deducted from your refund. Please note that any credit card processing fees are non-refundable.