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Insurance for entertainers

Join over 800,000 UK customers who’ve chosen to insure with us. Compare tailored performers insurance from trusted brands.

Get tailored quotes in 7 minutes

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Compare quotes from leading brands

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Rated 4.7/5

Based on 39,403 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why is performing arts insurance important?

From warming up to the last encore – and the admin in your downtime – performers face a unique set of risks. It sounds unlikely, but accidents do hit hard, and a public liability claim can cost thousands. Our cover is designed to perform at your high standards, letting you focus on the craft, not the what-ifs.

  • performers’ public liability insurance, starting at £1 million
  • optional personal accident cover for your own accidents and injuries
  • rated 4.7/5 based on 39K+ public and product liability customer reviews

Start your quote

What does performer insurance cover?

Typically, we’ll start with entertainers’ public liability insurance, built to cover your industry against third party accidents and slip-ups, from an audience injury to damage to a venue’s floor. Most quotes also build in cover for your specialist equipment, plus any employees you have. You can add specific cover for legal support, and personal accidents which may stop you performing.

Public liability insurance for performers

In case your business causes an injury or property damage.

What’s typically covered by public liability insurance for entertainers?

Claims against your business for:

  • damage to someone’s property, caused by your business
  • an injury or illness caused by your business activities
  • accidental damage or injuries caused by your employees

For example:

  • a member of the public is injured when one of your props falls from the stage
  • you damage a venue’s dressing room door while moving some equipment inside, and they sue for compensation

What you’ll need additional cover for

  • if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • an apprentice you’ve taken on has an asthma attack after exposure to one of your special effects products
  • one of your employees trips over a loose floorboard on stage, breaking his knee

Business and office equipment insurance

In case something happens to your essential kit.

What’s typically covered by business and office equipment insurance?

  • theft of the equipment you use to operate, from your laptop to your sound system
  • loss of your equipment
  • flood, fire, or accidental damage

For example:

  • the laptop you use for work is stolen from your business premises
  • a member of staff damages the sound system you use for work, while moving it between rooms at a venue

Read more about business and office equipment insurance

Legal expenses insurance

In case you have to pay legal costs connected with your performing business.

  • legal costs attributed to your business
  • property damage, nuisance, or trespass and associated legal costs
  • HMRC, tax, and compliance issues, if they come up
  • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation

For example:

  • an employee raises a discrimination claim against you, and you need to pay legal costs
  • your business is involved in an intellectu

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death at work or elsewhere, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you break your leg during a rehearsal, and can’t perform for at least six weeks
  • your creative director injures his eye while skiing, and needs ongoing hospital treatment

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

Insurance for performers – how much does it cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.37 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 September 2021 - 28th February 2022). Most customers pay more than this but some pay less.

Example entertainers insurance quotes, real prices

chiswell insurance

£9.94 /month

£79.4 /month

A self-employed balloon animal artist working in local shopping centres

  • 2-3 years' experience
  • Sole trader
  • No employees
  • Based in Bristol
  • Public liability

    £1,000,000

  • Employers’ liability

    Not included

  • Contents & business equipment

    Not included

chiswell insurance

£37.54 /month

£333.71 /month

A family run face painting ltd company who specialise in childrens parties

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Edinburgh
  • Public liability

    £5,000,000

  • Employers’ liability

    £10,000,000

  • Contents & business equipment

    £5,000

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers' liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same way

Start your quote

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does entertainer insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider face painting insurance or dj insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

Example claim

Having performers’ insurance through Simply Business has saved UK professionals thousands of pounds when the unexpected happened.

Victoria saved more than £9,700

Victoria (not her real name) received a solicitor’s letter, holding her liable for a snake bite sustained during a child’s birthday party. The performer liability insurance in her policy helped cover Victoria’s third party compensation costs.

  • Insurance payout

    £9,780.00

    Covering the cost of third party injury

  • Victoria’s costs

    £100

    The excess amount stated in Victoria’s policy terms

Chosen by 800,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,403 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Entertainer insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about public liability insurance for performers, and other popular covers. You can also check out our business insurance FAQs.

  • The public liability part of your insurance policy is designed to protect your performance or entertainment business against claims for damage to a third party’s property, or their injuries. For example, if you threw paint from the stage and it caused permanent staining on an audience member’s coat, they might make a claim against you for compensation.

    A Simply Business performers’ public liability insurance policy offers cover from £1 million, up to a maximum of £10 million, which you can have as a single standalone cover, or combined with other popular options like employers’ liability or personal accident cover.

  • Public liability insurance will be a key cover for many performers – it’s built to cover you for injuries and property damage, if a third party makes a claim. Is there a risk that someone in your audience could get injured and sue for compensation, for example, because of your work?

    Alongside public liability insurance for entertainers, you may want to add cover for things like your essential business kit and equipment, or a personal accident which could stop you from performing. And if you employ anyone (including contractors or temps), employers’ liability cover is usually a legal requirement.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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