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Performers Insurance

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Public Liability Insurance For Performers and Entertainers

You may travel throughout the UK frequently as a performer to attend shows and gigs. Since you have a lot on your plate, with a difficult routine, you shouldn’t have to worry about mishaps. Accidents can happen to anyone at any time.
Professional performers require insurance that covers a wide range of concerns. You spend a lot of time moving from location to venue as a creative artist. You are also committed to practice, auditions, rehearsals, and performances. Performer’s insurance protects you from any liability or claim that may arise due to an accident. It allows you to focus on your hectic schedule and is available for various types of performers.
Working on sets as an acrobat or physical performer, where you and the safety of those around you rely on your professional and practical abilities. These acts can put you or those around you at risk for an injury. You can continue doing what you do best if your performers’ public liability insurance covers you in every situation.
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What Is Performers Insurance?

Planning, rehearsing, and hard effort are all necessary for a great performance. So imagine that when anything goes wrong, it may be very disappointing. In addition to being inconvenient for you and your audience, you could face financial and legal hassles in case of such an incident.
In case instruments or props break, someone makes a mistake, or you have to postpone a performance, insurance will help you.
Nearly 80% of cast and crew members have experienced injuries during their careers. Specifically, almost half of stage performers and three-fifths of screen performers reported being placed in unsafe situations. Whether you’re an actor, singer, dancer, or artist, you require a comprehensive insurance plan that meets your demands.

Why Do You Need Performers Insurance?

There are various reasons why you must have comprehensive performers’ insurance. An injury will cost you extra in case of an accident if you are not covered. So, it is always a safe deal to buy insurance for performers.
Here are the reasons for having this insurance:

  • You might suffer for your craft at times. In addition to being distressing and unpleasant, injuries can cost you money, time, and even your reputation. A major accident could end your career.
    If you cannot return to the stage, insurance will cover your expenditures. It can even cover the cost of rehabilitation. You can concentrate on entertaining your audience since insurance has got your back.
  • Imagine you are a professional musician. You will probably need to use some sort of equipment, like a guitar, a microphone, and a sound system. If your equipment is stolen or broken, you will have to deal with event organisers putting a lot of pressure.
    You may lose time and money until you can find replacements or repairs. It might even jeopardise your chances of future gigs.
  • Attracting an audience can be difficult for a performer. Social media and mailing lists are two of the most effective methods, but they also have drawbacks.
    For example, a magician often uses email lists and social media campaigns to gather an audience. In this case, he must take care to prevent the data from ending up in the wrong hands. It could happen either by accident or as a result of a hostile cyberattack. In this case, you need to consider cyber insurance for your business.
    With performer insurance in place, expenses arising due to unforeseen circumstances are taken care of. It will help to get you back on stage quickly and swiftly.
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performers and entertainers even in the UK

What are the Types Available?

1

Public Liability Insurance for Performers

The performer’s public liability insurance protects the policyholder against legal responsibility for unintentional or physical harm you may cause to a third party. It helps you if you are responsible for such an accident while you are performing at an event in the United Kingdom.

This insurance provides coverage for performers against claims for accidents caused during your business activities, resulting in:

  • Damage to someone’s property
  • An injury or illness
  • Accidental damage or injuries

It will provide coverage for damage to third-party property in case a stage light falls into the audience or an event attendee slips on cables or confetti left on stage and sustains an injury.

For example, the act of a fire performer goes wrong, causing minor fire damage to a random person passing by.

Now, this insurance will provide:

  • Cost for medical expenses
  • The costs of legal issues that may arise in these situations.

Such unexpected situations can happen, even though their probability is less. For these particular situations, you don’t have to worry much as this insurance will be there to support you.

2

Employers Liability Insurance

Employer liability insurance will pay for costs arising from any claims and damages resulting from and during an employee’s tenure.

You will be liable for all people working under you, under the following conditions:

  • If someone works under your supervision, you have the authority to decide where and when they work or if you provide the tools and materials.
  • An employee may labour for pay or voluntarily.
  • A Limited Company‘s directors are also considered as its workers.

Considering this, employer liability insurance can provide compensation if an employee files a claim for an illness or accident sustained while working for you.

Secondly, you are legally responsible for the claimants’ legal fees. So, this insurance will pay the costs for your legal counsel in any fatal accident investigation. Moreover, it also covers court proceedings if you are accused of breaking the law.

Employers’ liability insurance will cover the following situations:

  • A professional dancer from your crew slips on a wet stage during rehearsal. They fracture their ankle and require months off work.
  • Similarly, when your hired makeup artist experiences an allergic reaction or chemical burn to a new makeup product.
3

Insurance for Portable Equipment

Portable equipment insurance covers the expense of replacing or repairing the tools you need to perform your job. Losing valuable equipment is stressful, particularly if it is rare, such as a custom-made guitar for a musician.

Practically speaking, however, it entails missed revenue and the possibility of missing performances, which could even result in legal action. This portable equipment insurance will cover the cost of having your instruments, props, lights, or other equipment repaired or replaced.

The damaged equipment may need to be removed from the premises, hence halting business operations. But you will be provided compensation for that loss if you have signed up for portable equipment insurance. It will help you if anything goes wrong, so you can resume working as soon as possible.

The following are some instances of equipment that may be covered:

Equipment covered by the insurance policy
Communication tools, such as desktops, laptops, mobiles, and tablets
Essential work equipment, such as graphic tablets and hairdressing equipment
Photography equipment, including cameras, lighting, and staging equipment
Accessories, such as lenses, lighting rigs, etc.
Cameras and ancillary equipment
PA, sound, and lighting equipment
Portable electrical equipment
Mechanical effects equipment
Grip equipment
Props, sets, and wardrobes
Makeup and prosthetics
Editing and recording equipment
Video and broadcast equipment
4

Personal Accident Insurance

Personal accident insurance is significant as it includes not only those injuries that happen directly while performing, but also others, like accidents that can occur during preparations/rehearsals or travelling.

Even if you have exceptional skills in your field, mishaps on the route to a gig could cost you your job just as much. By helping to pay for your expenditures while you focus on getting better, personal accident insurance can help reduce stress. It helps you get back on track by offering monetary compensation in case of such an unfortunate accident.

For example, you are a professional singer preparing for a nationwide concert tour. During rehearsals, you begin experiencing severe throat pain and hoarseness. You are diagnosed with vocal cord nodules after a visit to a specialist. It is a condition that requires strict vocal rest and possibly surgery.

Now you are unable to perform for several months. This may lead to tour cancellation. All of your scheduled performances must be cancelled. It will result in a significant financial loss. You might also have to pay a lot of money for medical care.

These will result in a financial burden, but if you have this insurance, it will provide financial support to replace the earnings lost, along with the medical expenses coverage and rehabilitation support.

5

Cyber and Data Risk Insurance

In today’s digital age, performers, artists, and entertainers rely heavily on online platforms. It could be in the form of ticketing systems or social media. Online platforms are used to connect with fans, promote events, and manage bookings. However, this also exposes them to cyber threats.

Now, here is how cyber and data risk insurance will cover you:

  • It will protect you against the loss of personal data. It includes fan mailing lists, payment details, and private communications.
  • The insurance will cover financial losses if hackers demand a ransom.
  • Protection against financial losses is provided if fake tickets are sold under the performer’s name.
  • It will also help with legal action and reputation management if a performer’s social media account is hacked.
  • Insurance will cover lost income if cyberattacks cause disruptions to streaming platforms, websites, or digital services.

Optional Inclusions for Performers Insurance

Event Cancellation

Event cancellation insurance is crucial for performers. It covers financial losses if a scheduled performance, concert, or show is postponed or cancelled due to unforeseen circumstances. These situations may include extreme weather, venue issues, performer illness, or even unexpected travel disruptions.
One day event insurance will protect against large losses. It includes the costs that cannot be recovered in the event of an event cancellation.
For example, a stand-up comedian is set to perform at a packed theatre for a highly anticipated show. Just days before the event, a fire broke out at the venue. It causes severe structural damage. The theatre is deemed unsafe. Authorities force the cancellation of the show.
If you have event cancellation insurance:

  • The policy covers the costs of reimbursing customers who purchased tickets.
  • If the comedian had paid a deposit to secure the venue, the insurance could help recover these costs.
  • If the event is postponed rather than cancelled, the insurance may cover additional venue booking fees.
  • It will also cover wasted promotional expenses like posters, online ads, etc., due to the cancellation.

Bespoke Car Insurance:

Performers often travel extensively for gigs, rehearsals, and tours. They sometimes travel with expensive costumes, instruments, or equipment. Standard car insurance might not offer adequate protection. This is where bespoke car insurance comes in. This type of coverage is tailored to meet the specific needs of performers. It ensures they remain protected on the road.
Many insurance companies will charge you higher auto insurance premiums than the average person just because you work in the media. It could be because of various factors like the long commute you may have to take for work, the clubs and pubs you park outside, or simply the fact that you are a well-known figure.
Imagine this: a circus performer is driving to a major event with all their costumes and props packed in the van. Just an hour before the performance, the vehicle suddenly breaks down. They are stranded on the roadside. They risk missing the show, which will result in potential financial loss and a disappointed audience.
But if you have bespoke car insurance, you don’t need to worry about it. It will help you in the following ways:

  1. The insurance may cover the cost of roadside support, which could include towing to the nearest repair shop.
  2. It may also cover the costs of a temporary vehicle for the performer.
  3. If the breakdown causes them to miss the event, the policy may cover financial losses incurred due to the cancellation.

Insurance Requirements for Bona Fide Subcontractors

A prerequisite for insurers’ obligation is that the hazardous activities must be performed by bona fide subcontractors. These subcontractors must have their public liability insurance in effect, which covers the event as well as any time before or after the event for setup. It includes installation, dismantling, and any other action necessary in connection with it while on the insured’s property. The insured must also prove that the bona fide subcontractors have this insurance or, as otherwise agreed with the insurers.

staging on the stage of a children’s theater with actors

What Isn’t Included In Performers Insurance?

The following matters will not be covered by this insurance:

Matters Excluded From The Policy

  • Radioactive, poisonous, explosive, or other harmful or contaminating features of any radioactive matter or contamination by nuclear material, either directly or indirectly.
  • Any direct or indirect effects of civil war, invasion, war, rebellion, revolution, or the actions of foreign enemies
  • Property damage or destruction caused by or as directed by any public, local, or governmental entity.
  • Any effect of terrorism, whether direct or indirect, as defined by the Terrorism Act of 2000 and any laws that amend or replace it.
  • Deliberate loss or damage brought about by you or anybody acting on your behalf.
  • Damage or loss brought on by pressure waves from flying objects, such as aeroplanes, that travel at sonic or supersonic speeds.
  • Loss or harm brought on by ageing, rusting, corrosion, wet or dry rot, fungi, or anything else that deteriorates with time.
  • Loss, harm, or injury to the body brought on by household pets, insects, or rodents.
  • Insurance will not cover any loss or harm that results from disappearance or inconsistency.
  • Any money that can be retrieved from another source.
  • Loss, damage, cost, or expense resulting from or connected to, directly or indirectly, as well as any action taken to prevent or respond to any pandemic or epidemic, are not covered by this policy.
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Performances Excluded From The Coverage

Every performer and their team should get complete information about exclusions by referring to their policy papers before signing up. The following kinds of performances are not included in insurance for performers.

  • Any act performed directly above an audience.
  • Hazardous activities include but are not restricted to amusement and fairground rides, bouncy castles, motorised, water-based, aerial, fireworks, explosives, and stunt work.
  • Acts in which a knife or similar object is being thrown at humans or animals.
  • Underwater or Aerial Filming.
  • Acts where the audience is asked to participate in the insured activities
  • Insurance for performers will not provide indemnity in respect of any of the above-mentioned acts.

Most of these performances are insured under specific insurance policies. It is best to confer with a professional insurance broker to find out which policy covers certain performances.

Who is Covered under Performers Insurance?

All types of performers may require public liability insurance for their performances. They include:

  • Actors
  • Musicians
  • Dancers
  • DJs
  • Comedians
  • Entertainers
  • Bands
musicians performing together

Cancellation of the Performer’s Insurance by the InsuranceAgency

If there is a good reason, your insurance policy can be terminated at any time by providing written notice of 14 days. You will get a cancellation notice at your last known address. It happens in the case of the following:

  • Non-payment of the premium
  • Aggressive and threatening behaviour from either party
  • Non-provision of documentation
  • Non-compliance with the terms and conditions of the policy
  • If your situation changes, coverage will no longer be offered
  • When it is discovered that you are involved in or connected to financial crime or insurance fraud
  • Where you have given incorrect information or misrepresented yourself in response to inquiries made when you bought, renewed, or modified your policy
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How Much Does Performers InsuranceCost?

The cost of performers’ insurance depends on the type of performance, the size, the different levels of coverage needed, and the number of events per year.
Basic public liability insurance for performers generally costs £32 for a single event and £128 for multiple events (up to 100 performances in 12 months, including rehearsal).
Factors affecting the cost of performers’ insurance include:
Z

Type of Performance

Most high-risk acts like fire breathing, aerial acrobatics, and stunts will have higher premiums than, say, singing, acting, or stand-up comedy.
Z

Coverage Level

The higher the compensation limits are, the more expensive the policy is. If you need liability insurance only, you have to pay less than one who needs public liability, equipment coverage and personal accident protection.
Z

Equipment Value

Your insurance premium will be higher if your performance requires the use of specialised or expensive equipment.
Z

Number of Events

An annual policy, which covers multiple performances during the whole year, is more expensive than a single-event policy.
Z

Performance Location

The size and nature of the venue matter. Extra coverage may be needed in high-profile events, large festivals, or international shows, which increase costs.

How Can I Get Cheaper Performers Insurance?

This insurance is important to have protection, but there are certain ways to reduce costs without sacrificing reliable coverage.

  • Avoid unnecessary extras. For example, if you don’t use expensive equipment, then you won’t necessarily need equipment insurance.
  • A single event policy would be cheaper if you performed only once than an annual policy.
  • You can get a much lower monthly or yearly premium by having a higher excess (the amount you pay out-of-pocket before insurance applies). Choose an acceptable excess
  • you can afford in case of a claim.
  • Bundling public liability, employer’s liability and equipment insurance may bring you a discount.

    You have to choose which coverage is appropriate and then save on costs so you can keep your bills under control and still be protected.

Frequently Asked Questions

Does the public liability coverage of performers’ insurance extend to UK residents worldwide?

For a maximum of six months, public liability coverage is offered to UK citizens worldwide (except those who work in the USA or Canada). Foreign nationals who are temporarily employed in the UK can also be covered.

Can I adjust my insurance coverage as my professional needs change?

Of course! A creative freelancer’s life is constantly evolving. The insurance policies are therefore made to be as adaptable as your job. For certain projects, you can select short-term choices or go with longer-term coverage.
Whether you’re downsizing or scaling up your business, adjustments can be made to fit your current professional circumstances.

Can I get performers public liability insurance for one day?

Indeed, one-day public liability insurance is growing in popularity, and the majority of firms may get one-day coverage. For brief events like workshops, pop-up stores, or a photo shoot you’re planning, this is perfect.
Knowing the actual cost of the insurance for the particular task allows you to charge your clients and create a budget.

Does public liability insurance cover my business for the actions of my employees?

Whether you have employers’ liability insurance or not will determine this. The purpose of public liability insurance is to shield your company from the repercussions of lawsuits filed by members of the public for harm or property damage.
However, this protection only kicks in if you also carry employers’ liability insurance in case your staff causes harm or damage.

Are there any restrictions on where I can perform?

The event you are going to needs to be in the UK and, if relevant, have the necessary entertainment licenses to be held. Additionally, you are not allowed to use any projectile equipment, including but not limited to foam cannons or pyrotechnic devices.

Does Performers Insurance cover event organisers?

No, the purpose of this regulation is to protect individual performers at an event. It is not intended to protect event planners from lawsuits.
You need to have event insurance if you are an event planner. It can cover you for one-time events or several events over the year.

How many days can I be protected as a performer?

You will be covered by a single event performer insurance policy for a maximum of 14 days in a row at a single event.

Will performer insurance cover my business premises?

Although it may not be covered by performance insurance by default, you can easily add this coverage to your policy. Keep your structure safe from fire, floods, and storm damage, and make sure that any pricey equipment and items you keep there are adequately protected.

Are there types of performance that won’t be covered?

A wide variety of entertainers, including comedians, children’s performers, musicians, and DJs, can be covered by performer insurance. To make sure you’re completely covered, talk to your insurer if you’re worried that your entertainment niche may carry extra risks.
Perhaps you promote audience engagement or work with live animals? Just telling your insurer will result in customised coverage that will protect you and your audience.