Veteran entertainers know that anything can happen on the road. A rowdy rock set can damage property at a venue, for example. Or an errant wave of a wand can poke the eye of an audience volunteer. In both cases, the entertainer could find themselves served with a lawsuit.

Performers can protect their act – and their audiences – with the right mobile entertainers insurance policy. Deejays, bands, caricature artists, even Santas, can benefit from the right liability product, according to G.A. Mavon.

Liability Insurance 101

Buy purchasing a good liability insurance policy, entertainers protect themselves against claims that occur because a component of their act damaged property or injured another person. Beyond paying for the repairs to damaged property and healthcare bills of an injured individual, a liability policy will also help cover legal costs and any judgment payouts.

The important thing to remember, though, is that things like contractual liabilities and intentional damage is not covered. So performers should not assume that a good policy gives them the freedom to tear up a stage.

Most professional liability insurance policies for performers start at $1 million in coverage. Higher coverages are often available and agents will usually work with a customer to ensure they have the best coverage for their needs.