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Eligible Performers

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Acrobats

Aerialists

Balloon twisters/decorators

Caricature artists

Clowns

Children entertainers

Comedy acts

DJs

Face painters

Fire dancers

Jugglers

Magicians

Musicians

Santas

Storytellers

Stilt walkers

Street performers

We Do Not Cover

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Amusement rides/attractions

Animals*

Athletic participation

Coaching or instruction**

Employees/subcontractors

Fireworks

Grandstands

High wire (30+ feet high)

Hypnotists

Jump houses

Moonwalks

Motorized activities (high-risk)***

Pyrotechnic operations****

Rappers

Riggers

Trackless trains

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.

Performer Insurance

We cover individual, US-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 US 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.

Renewing Coverage

Approximately six weeks prior to your expiration, we will mail you an invoice. The information on the invoice is produced from the file that we have created for you, from the information that you have provided. Please review the invoice for any information that has changed and advise us as to what has changed. You can write your changes on the invoice and mail it to us, or call into the office and we will make the changes over the phone.

To renew your coverage you can mail in the invoice with your check or money order, or you can pay online with your credit or debit card. There is a 3.25% service fee for paying with a card. You can avoid this fee by mailing the invoice back with your check or money order. Read our 2021 Renewal Newsletter.

Base Policy Coverage Provided

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.

Coverage Limits and Pricing

Commercial General Liability Coverage Option 1 Limits Option 2 Limits
Each Occurrence $1,000,000 $3,000,000
General Aggregate $2,000,000 $5,000,000
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
     
Deductible Zero Zero
     
Premium Costs    
Annual Coverage    
   Group 1 (most performers)   $276 $406
   Group 2 (aerialists & fire performers) $298 $435
     
Single Event / Show Coverage (10 days or less) $136 $177
     
Santa Insurance (see below) $190 $266

Santa Insurance

Santa

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.

Start Application

Welcome Santa

We also insure Welcome Santa members! Welcome Santa provides live Santa video-visits. Click below for the application.

Welcome Santa Application

Welcome Santa

Customize Your Policy

At SIA, we strive to make our policies work for you. That’s why we offer a wide range of optional coverages to add on to your Performer liability policy. Explore these optional coverages below:

Additional Insured Requests

There is no charge for additional insured certificates. We do require that you submit your requests in writing.

If you request through our website using the online certificate request, we will email you a copy for your records as well as fax or email wherever else you want your certificate to go.

Click the button below to submit an online performer certificate request:

Performer Certificate Request

View more about Additional Insured Requests >

Office Hours

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Monday - Thursday, 10:00 a.m. - 5:00 p.m. CST

The main office is closed Friday - Sunday.

Limited online services are available when the main office is closed.

 

Holiday Hours:

Closed January 1 for New Years Day

Closed at 12 p.m. March 17 for St. Patrick's Day

Closed on May 25 for Memorial Day

Closed week of July 4-5 for Independence Day

Closed September 7 for Labor Day

Closed November 26 for Thanksgiving (limited services available on November 27)

Limited services available Christmas week, December 21-25

Closed for Christmas December 24-25

 

Contact Us

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Specialty Insurance Agency
PO Box 24
New Richmond, WI 54017-0024

Ph: 715-246-8908

Fax: 715-246-4257

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