Entertainer Business Insurance Coverage Checklist
The coverages an entertainer business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for magicians, clowns, face painters, balloon artists, costumed characters, and similar performers. Priorities reflect typical exposure for this class; confirm against the acts performed and the audiences served.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers audience injuries and venue damage. Many venues and schools require it with additional insured status. | Core | |
| Abuse & Molestation | Covers allegations involving children or vulnerable adults — most GL policies exclude it. | Core | |
| Products Liability | Covers reactions to face paint, glitter, or giveaways, and choking claims from balloons or candy. | Prevalent | |
| Fire / Stunt Performance Coverage | Confirms GL is not excluded for fire, aerial, or stunt acts — many policies exclude them. | Situational | |
| Equipment / Inland Marine | Covers costumes, props, and equipment in transit and at events. | Prevalent | |
| Professional Liability (E&O) | Covers missed performances and breach of contract claims. | Situational | |
| Hired & Non-Owned Auto | Covers driving to gigs in personal vehicles for business. | Situational | |
| Workers' Compensation | Required in most states with employees. | Situational | |
| Animal Liability | Needed for acts with live animals, which GL may exclude. | Situational |
The coverage gap most often missed
The most commonly missed coverage for this class is abuse and molestation. Most entertainers in this category work close to children — at birthday parties, in schools, sometimes in costumes that hide their identity — and most general liability policies exclude these allegations entirely. A single accusation, true or not, can end a business without defense coverage. Fire, aerial, and stunt acts are the second gap: many entertainer policies exclude them, while fire marshals and venues increasingly require proof of coverage and a permit.
Send us the checklist and we'll review your entertainer business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Entertainer Business Insurance · Entertainer Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an entertainer business business need?
The core coverages for an entertainer business business are Commercial General Liability, Abuse & Molestation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my entertainer business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.