Best Small Business Insurance
Best Small Business Insurance
There are many roles involved in pulling off a successful event—everything from the planners that organize it, to the vendors that make sure it runs smoothly and that your guests have everything they need, to the performers that keep everyone entertained. With any of these jobs, there is room for accidents and errors. You need business insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute show or months before an important event.
As a performer and entertainer, you have an opportunity to bring joy, laughter, amazement, and wonder to your audience. After thousands of hours of training and preparation, you get to go on stage and perform for crowds of cheering onlookers.
Showmanship and stage presence is all about confidence. But it’s hard to be confident when you’re consumed with worry. You deserve the peace of mind to put on a show without fear of a possible liability claim.
This is why Thimble’s Entertainer Insurance was created.
Whether you’re a DJ, a comedian, a magician, or a mime, whenever there’s a large crowd, accidents can happen. And if you’re blamed for third-party bodily injury or property damage, it could seriously impact your career as an entertainer. But with performer insurance, the show that must go on can go on.
If you want to share your talents with the world, you need to have the confidence that comes with being protected from risk and liability. That’s where general liability insurance and professional liability insurance policies via Thimble can help protect you.
As a vendor, your venue is always changing. You set up wherever you can find a spot, whether that’s events, private parties, fairs, music festivals, or farmers’ markets.
We know that, too often, everyday mishaps will lead to third-party injuries or property damage. That’s why Thimble’s Event Vendor Insurance was created: to help you plan for the inevitable.
For example, you’re probably no stranger to windy events. If your booth or station isn’t properly locked in place, it could start to tip over. Should this lead to any third parties being injured, you could be held liable for a bodily injury claim.
Or take the people out of it entirely. What if the wind sent your booth right into your neighbor’s booth.
Should any of their property incur damages, you could be held accountable.
People are quick to use an accident as a reason to file a lawsuit. And if they do, the question of paying for legal defense comes into question. This, in addition to any medical expenses that accrued, could suddenly fall onto you and your business.
Don’t worry. We planned for all of this with our general liability insurance. Thimble offers protection should any third-party property damage or bodily injury claim be filed against you. It also protects against personal and advertising injury, and when it comes to legal defense costs and medical expenses, it can help cover that, too.
As the saying goes: hope for the best, but plan for the worst… with Thimble. (Okay, we added that last part.)
With Thimble, your policy rates are determined by calculating your location, crew size, coverage length, and coverage limit.
Our on-demand performer or vendor insurance policies can be purchased by the hour, day, or month, and Additional Insureds can be added for free. Our policies are perfectly tailored to suit your business needs today—and adjustable to suit whatever life throws your way tomorrow. They’re affordable because they work when (and only when) you do.
Protect yourself with on-demand party entertainer insurance. Get your free entertainer insurance quote now.
Great question. You’re covered with both general liability and professional liability coverage to help protect you in the following situations:
As a performer, you might ask audience members to participate in your show. Should you call someone on stage and your act leads to a bodily injury, you could be liable.
During lively events, your station may become a hotspot of activity. If this happens, it’s hard to keep your two eyes tuned in every direction. Should a crash and a bang suddenly alert you to an injury, you could be held liable for a bodily injury claim.
3rd Party Property Damage
When performing at a private party or event, you’re operating in an unfamiliar space. Should you make a wrong turn and accidentally damage your client’s property, you could be responsible for reimbursing or replacing the item.
While trying to help an event guest, should a neighboring vendor’s table be knocked over, you could be held liable for third-party property damage, leading to potential lawsuits from other vendors.
If you’re doing an interactive performance (or any form of entertainment), then there’s always the risk that someone could get injured. Should this occur, they could take you to court. Thus, you could be left to pay for your own legal team.
Even if you’re not entertaining, there could be a freak accident and you’re involved. Suddenly, although you did nothing wrong, you might hear the words: “I’ll see you in court.” If they file a lawsuit, you’ll need to hire legal defense (which is not cheap).
Some people are scared of clowns, some people are easily startled, and some people are easily startled by clowns. Should your performance frighten someone, that could cause them to run away in a panic and incur an injury. If anyone is injured due to your performance, they might claim that you’re liable for their medical bills.
Errors & Omissions
As a performer, other entertainers might look up to you for instruction. They want to learn and follow your direction. Should you provide professional advice that your client or student believes to be negligent, resulting in their financial loss, you could be held liable.
Event Vendor and Entertainer Insurance from Thimble is customized to meet the needs of event vendors & entertainment professionals like you. We cover the following professions and activities:
Events Planners & Staff:
Instantly. Once you’ve purchased an entertainer insurance policy, your Certificate of Insurance (COI) is delivered directly to your email inbox. In less than 60 seconds, you can go from exposure to liability to having proof of insurance.
If you ever perform or sell your wares at a venue, the organizer will likely ask for an event insurance for performers policy (they’ll want to see proof of insurance). With Thimble, you can have a COI on-hand in less than 60 seconds.
You can also add as many Additional Insureds and generate as many COIs as you want—all from your Thimble mobile app.
Thimble’s Entertainment Insurance comes with a $1 million or $2 million policy limit. Should you want more coverage, you should opt in for the $2 million limit.
No. If one of your staff gets injured on the job, a general liability insurance policy won’t cover their injuries. If you have employees or hire actors to help you during your performances, you should consider taking out a workers’ compensation policy.
Also no. Thimble’s Insurance policy is only applicable for third-party property damage. If you have a vehicle you use specifically for your work or if you need to cover damage to your equipment, you may want to consider a commercial auto or commercial property policy.
With the Thimble mobile app, you can get a policy in less than 60 seconds. Breeze through a few quick details about your business and we’ll generate your free quote. Click to purchase and you’ll receive your COI in moments. It’s that fast.
Events & Entertainment insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.