Jacqueline Lobdell of Lobdell Entertainment
Photo by Terence O’Donnell
Coaching or instruction**
Headphone discos/silent discos
Heavy metal musicians
High wire (30+ feet high)
Motorized activities (high-risk)***
Thrash metal musicians
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.
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.
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.
|Commercial General Liability Coverage||Option 1 Limits||Option 2 Limits|
|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|
|Group 1 (most performers)||$284||$424|
|Group 2 (aerialist & fire performers)||$306||$453|
|Single Event / Show Coverage 4/1/22 or after (10 days or less)||$140||$184|
|Santa Insurance (see below)||$195||$276|
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.