Eligible Performers





Band leaders


Balloon twisters/decorators

Caricature artists


Chainsaw demonstrations

Children's entertainers

Circus side show

Comedy acts


Costume characters




Escape artists

Face/body painters

Fire breathers

Fire dancers

Fire performers

Foam parties

Fire dancers

Glitter/airbrush tattoos


Hand balance

Henna/Jageu design

Hula hoop

Human statue









One-man bands

Palm readings

Photographers/photo booths


Public speakers


Rola bola

Rope tricks




Stilt walkers

Street performers

Tarot readings

Tightrope/tightwire (under 30 feet high)




Western performers

Whip crackers

We Do Not Cover


Amusement rides/attractions


Athletic participation

Coaching or instruction**



Goth musicians


Headphone discos/silent discos

Heavy metal musicians

High wire (30+ feet high)


Jump houses


Motorized activities (high-risk)***

Pyrotechnic operations****

Rap musicians


Thrash metal musicians

Trackless trains

Zip line stunts

*Includes mammals, reptiles, and fowl. Magicians may use rabbits and/or doves during performances.

**Includes classes offered to others or personal instruction in aerial, fire, or dance skills. The policy only provides liability coverage for the individual policyholder's own performance and/or rehearsals.

***Clown cars are covered, but motorcycle stunts are not. Wondering if your motorized activity is covered? Contact us!

****Includes pyrotechnic devices.

Performer Insurance

We cover 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.

Insured must have a U.S. mailing address to be eligible for coverage under this policy, and the premium must be paid in US dollars. This is not group coverage, meaning that this policy will only cover you 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. 

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 or debit card. There is a 3.25% service fee for paying with a card. You can avoid this fee by mailing the invoice back with your check or money order. Read our 2022-23 Renewal Newsletter.

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.

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.

Coverage Limits and 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 and Advertising Injury $1,000,000 $3,000,000
Damage to Rental Premises (Fire Legal Liability) $300,000 $300,000
Medical Expenses to Others $5,000 $5,000
Deductible Zero Zero
Premium Costs for Polices Starting Before 4/1/23    
Annual Coverage     
   Group 1 (most performers) $284 $424
   Group 2 (aerialist & fire performers) $306 $453
Single Event / Show Coverage (10 days or less) $140 $184
Santa Insurance (see below) $195 $276
Premium Costs for Polices Starting After 4/1/23    
Annual Coverage    
   Group 1 (most performers) $284 $446
   Group 2 (aerialist & fire performers) $306 $476
Single Event / Show Coverage $140 $194
Santa Insurance (see below) $195 $290

Santa Insurance


We offer 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.

Start Application

Visit With Santa

We also insure Visit With Santa members! Visit With Santa provides live Santa video-visits. Click below for the application.

Visit With Santa Application

Visit With Santa

Customize Your Policy

At SIA, we strive to make our policies work for you. That’s why we offer a wide range of optional coverages to add on to your Performer liability policy. Explore these optional coverages below:

Additional Insured Requests

There is no charge for additional insured certificates. We do require that you submit your requests in writing.

If you request through our website using the online certificate request, we will email you a copy for your records as well as fax or email wherever else you want your certificate to go.

Click the button below to submit an online performer certificate request:

Performer Certificate Request

View more about Additional Insured Requests >

Office Hours


Monday - Thursday, 10:00 a.m. - 5:00 p.m. central time

The main office is closed Friday - Sunday.

Limited online services are available when the main office is closed.


Holiday Hours:

Closed New Year’s Day
Closed Memorial Day
Closed Independence Day
Closed Labor Day
Closed Thanksgiving
Closed Christmas Eve
Closed Christmas Day


Contact Us


Specialty Insurance Agency
3432 Denmark Ave #231
Eagan, MN 55123

Ph: 715-246-8908 (leave a message if no one answers and we'll call you back ASAP)

Fax: 715-246-8908


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