Eligible Performers
Acrobats
Aerialists
Authors
Band leaders
Bubbles
Balloon twisters/decorators
Caricature artists
Clowns
Chainsaw demonstrations
Children's entertainers
Circus side show
Comedy acts
Contortionists
Costume characters
Dancers
DJs
Emcees
Escape artists
Face/body painters
Fire breathers
Fire dancers
Fire performers
Foam parties
Fire dancers
Glitter/airbrush tattoos
Gymnastics
Hand balance
Henna/Jageu design
Hula hoop
Human statue
Illusionists
Jugglers
Lumberjacks
Magicians
Mentalists
Mermaids
Mimes
Musicians
One-man bands
Palm readings
Photographers/photo booths
Pirates
Public speakers
Puppeteers
Rola bola
Rope tricks
Santas
Singers
Storytellers
Stilt walkers
Street performers
Tarot readings
Tightrope/tightwire (under 30 feet high)
Unicyclists
Ventriloquists
Videographers
Western performers
Whip crackers
We Do Not Cover
Amusement rides/attractions
Animals*
Athletic participation
Coaching or instruction**
Employees/subcontractors
Fireworks
Goth musicians
Grandstands
Headphone discos/silent discos
Heavy metal musicians
High wire (30+ feet high)
Hypnotists
Jump houses
Moonwalks
Motorized activities (high-risk)***
Pyrotechnic operations****
Rap musicians
Riggers
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.
Visit With Santa
We also insure Visit With Santa members! Visit With Santa provides live Santa video-visits. Click below for the application.
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:
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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