18
Oct
What is Public Liability Insurance for Entertainers and Performers
Whether you are a circus performer, dancer, juggler, face painter or anything in between, you should have public liability insurance for events and performances. This type of insurance provides cover to deal with claims made against you should you allegedly cause damage to property or injure a member of the public during your performance or activity.
In this blog, we will uncover why public liability insurance is vital for performers, with real scenarios of how this cover will protect you.
1. Performers public liability insurance for protection against accidents
No matter how often you rehearse, you never know what will happen during your live performance – we always recommend preparing for the unexpected! For example, you may accidentally cause damage to a venue or injure a member of the audience. With performer's public liability insurance, your policy will provide cover for the legal costs of dealing with a claim made against you as well as compensation if you are found liable.
Scenario: You are a magician. During your act, one of your props injures a member of the audience. Following the show, you are made aware that this member of the public is making a claim against you. Your public liability insurance includes cover for the legal fees associated with dealing with the claim and potential compensation for the claimant if you are found to be liable.
2. Coverage for legal costs
Accidents happen, but public liability insurance ensures you don't have to pay the price. If you were to cause damage to a venue or injure an audience member during your act, there is a chance that legal action could be taken against you at a significant cost. Public liability insurance will reduce the stress relating to legal defence, damages or medical expenses.
Scenario: You are a fire performer. During your act, you cause damage to the venue or injure someone. Public liability insurance includes cover for the cost of dealing with claims brought against you.
3. Performing Artist insurance to meet venue requirements
If you are performing at a venue, you will likely be asked to show proof of public liability insurance. This is so the venue owner or event organiser has confidence they will not be at risk of financial losses if you cause an accident or injury during your performance. This even includes low-risk performances, such as singers and comedians.
Scenario: You are a juggler and you drop one of your clubs which then injures a member of the audience. If you have public liability insurance, you will have cover for claims made against you. The venue will also be protected as they have ensured you have insurance before allowing you to perform.
4. Protection in public spaces with public liability insurance for entertainers
Are you a street performer or a festival act working in public spaces? You should have public liability insurance too. You often have bystanders and passers-by to consider as well as your audience. Obtaining cover for your act will give you peace of mind that you have cover for the legal costs of dealing with a claim made against you as well as compensation if you are found liable.
Scenario: You are a stilt walker entertaining guests at a festival. You accidentally lose balance and injure a member of the crowd during your fall. Public liability insurance would provide cover for legal costs and compensation awards if you are found liable.
If you are a performer please get in touch with Rees Astley Performing Arts Insurance about public liability insurance for entertainers.
We offer an instant quote service via our website, allowing you to get a price for your policy within a matter of minutes - it's quick and simple!
If you are still unsure what type of insurance you need or if you'll get covered, call our knowledgeable team at 01686 626019 to discuss your requirements.
Rees Astley Office
- Address: Mostyn House, Market Street, Newtown, Powys, SY16 2PQ
- Phone: 01686 626019
- Email: performingarts@reesastley.co.uk