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.
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.
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).
Commercial General Liability
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
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
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|
|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||
|Premium Costs||Option 1 Limits||Option 2 Limits|
|Most Performers Annual Coverage, Group 1||$284.00||$446.00|
|Aerialist & Fire Performers Annual Coverage, Group 2||$306.00||$476.00|
|10-Days or Less Single Event/Show Coverage||$140.00||$194.00|
|2-Months, Nov 1 - Dec 31 Santa Coverage (details below)||$195.00||$290.00|
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 Insurance
Read this important information about the performer policies we offer.
All SIA policies are non-refundable after coverage begins.