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“To be, or not to be” is not the question that you should ask about getting Play Reading Insurance. Instead, ask whether or not you can afford a financial loss if someone at the reading gets hurt, or their property gets damaged, and brings a claim against you.
After all, method actors have been known to really get into character, leading to a chair being thrown across the room in a staged fit of anger. Play Reading Insurance can help protect you from paying for third-party injuries or property damage claims.
What is Play Reading Insurance?
Play Reading Insurance falls under the category of special event insurance, which provides protection against claims that may arise from organizing play readings, whether you’re performing Shakespeare or an edgy new thriller.
Policies can afford coverage for claims such as:
- Slip-and-fall accidents leading to bodily injury
- Property damage to the premises rented to you
- Damage to an audience member’s personal property.
What does Play Reading Insurance cover?
People who participate in play readings, whether as actors or audience members, can be dramatic. Play Reading Insurance covers you against the financial impact of injury and property damage claims from onlookers, bystanders, and the venue owners.
Play Reading insurance can provide investigation services and a legal defense of claims, even if they are false or fraudulent. Play Reading Insurance can cover you for claims stemming from:
- Third-party, non-employee bodily injury: A passerby may trip over the director’s satchel, fall, and get hurt. You could be held liable and expected to pay for their medical treatment.
- Third-party property damage: If an actor becomes too caught up in a part and causes an audience member to drop a camera, breaking it, you could be liable for the cost of repairing the damages or even replacing the item.
- Personal and advertising injury: Don’t get caught in the middle of a copyright claim for the advertising of your play reading. Personal and advertising injury coverage provides protection against claims for libel, slander, and copyright infringement in your ads.
- Damages or injury from liquor liability: In events where you allow people to bring their own alcohol or offer drinks at no cost, you could be held liable if someone who is drinking causes harm. If you are in the business of selling, servicing, or furnishing alcohol, you may need additional liquor liability coverage.
How much does Play Reading Insurance cost?
The cost of Play Reading Insurance varies based on how big the event is, how long the event is, and what types of hazards are involved (if any). For a small event, you can get a policy for as little as $150 that offers you a liability limit of $1 million per occurrence with a $1 million aggregate limit.
Here’s a range of Thimble’s Play Reading Insurance premiums for one day, without additional liquor liability coverage:
Who needs Play Reading Insurance?
Any individual who is planning a play reading should get Play Reading Insurance, whether it’s held at the director’s home, a theater, or a local stage.
If you are renting a venue for the play reading, the venue owners will likely ask you to buy general liability coverage for the duration of the event, including set-up and breakdown.
As soon as you buy your policy, send them your Certificate of Insurance (COI) that provides your policy details, coverages, and policy duration. Thimble makes it easy to get your COI through our app or in your inbox and have it on-hand without searching through a table of contents.
The final act
With a script in hand, people can get over-focused on the play reading and cause an accident that leads to injury or property damage to a third party.
If you’re the play reading host or organizer, don’t get caught up in drama. Leave your email and we’ll let you know when Thimble’s Play Reading Insurance is available in your area.
Play Reading Insurance FAQs
What if I only need one-day insurance?
No need to worry about getting an extended policy for a one-day event. Thimble provides Play Reading Insurance for one day or up to two weeks if you need it. We provide on-demand insurance because we understand the need for short-term coverage.
What are Thimble’s Play Reading Insurance coverage policy limits?
You get a lot of financial protection with Thimble’s Play Reading Insurance. You’ll receive a $1 million per occurrence limit with a $1 million aggregate limit. You can extend the coverage to a $2 million per occurrence limit with a $2 million aggregate limit.
Do I need Play Reading Insurance if my event is held at my home?
Before you dismiss needing Play Reading Insurance because you’re hosting the event at your home, check with your homeowners insurance provider. You may need to add an endorsement to your policy to cover your event or get special event insurance to fill the gaps.
Does Play Reading Insurance via Thimble cover event cancellation?
While Play Reading Insurance doesn’t cover event cancellation, it does allow you to cancel your policy at any time prior to when the policy begins. If you must cancel your policy prior to that date, you’ll get a full refund of your policy premium.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
Bodily Injury 
Property Damage 
Legal Defense 
Medical Payments
Covered Activities
- Car / Boat / Vehicle Washing or Detailing
- Housekeepers
- Janitorial Services including Carpet and Window Cleaning
- Office Cleaning
- Pressure Washing
Optional Add-Ons
- Exterior Painting
- Floor Waxing
- HVAC
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- Snow / Ice Removal
Excluded Activities
- Inspectors
- Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
- Performing Work over Three Stories in Height(30 Feet)
What's Not Covered by Your Policy
- Activities Involving Firearms
- Performing Work over Three Stories in Height (30 feet)
- Work on 10 or More New Homes or New Residential Units in Any One Project or Development
- See full policy for details
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