Performer Insurance

Because this program provides coverage for the entertainer or performer as an individual, provide the full legal name of the performer to be covered. If performing under a stage or other name, include that name on the “Doing Business As” line. 

This program only provides coverage for claims arising out of the following smaller animals: rabbits, doves, mice, hamsters, non-venomous, non-constrictor snakes, and dogs weighing less than 15 pounds. No coverage exists for claims arising from all other animals, and no coverage is provided for the actual death or injury to any animal. 

No. You will receive a certificate of insurance as proof of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the Sports, Leisure and Entertainment Risk Purchasing Group (RPG). The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, In., PO Box 2338, Fort Wayne, IN, 46801-2338.

Performer liability insurance helps protect musicians and entertainers if someone is injured or property is damaged because of their performance or equipment. This type of insurance is important for bands, solo musicians, DJs, holiday characters (like Santa or the Easter Bunny), magicians, face painters, balloon artists, and other live entertainers. If a guest trips over a cable, a speaker or prop falls, a child is injured near your setup, or a venue’s floor, walls, or fixtures are damaged, performer liability insurance is designed to respond to these third‑party bodily injury and property damage claims and can help cover medical bills, repair costs, legal defense, and settlements, up to the policy limits.

Many venues, festivals, malls, corporate events, and private parties now require proof of performer liability insurance before you can appear on site. Contracts often specify minimum liability limits and may require that the venue, event, or property owner be listed as an additional insured. Relying on the venue’s policy or your homeowners or renters insurance is usually not enough; those policies often don’t cover professional performances, character appearances, or entertainment services. A dedicated performer liability policy can follow you to venues, shopping centers, schools, community events, and private homes, helping you meet contract requirements while protecting your finances.

If you earn money from performing or appearing as an entertainer, performer liability insurance is a key part of your risk management plan. Insurance is typically much less expensive than the potential cost of a single incident, and having the right insurance in place can help you keep bookings, satisfy venue and event requirements, and focus on delivering a great experience for your audience, whether you’re on stage with a band, greeting children as Santa, performing magic, or painting faces at a party.