3 Reasons Why Wedding Performers Need Liability Insurance
The entertainment industry includes a wide range of businesses that benefit from liability insurance. Most entertainment businesses require this coverage for facility rentals, filming on a location or performances. Unpredictable events may occur during a production, ranging from violent weather, transportation glitches, fire and theft to an inebriated guest trampling a guitar onstage. Wedding performer liability insurance protects wedding entertainment businesses from third-party claims for bodily injury and property damage.
Wedding performer liability insurance provides affordable coverage for wedding staff, including planners, DJs, bands, photographers and videographers. Comprehensive programs offer:
1. Liability Coverage
Businesses in the entertainment industry require general liability insurance that expertly addresses the unique risks of performance companies. Entertainment policies typically guard property and casualty exposures associated with live presentations.
2. Equipment Protection
Industry professionals often own or rent equipment that is transported to each job. Equipment insurance indemnifies cameras, lights, sound equipment and musical instruments from theft or damage.
3. Specialized Insurance Program
Like most business professionals, performers require protection against financial losses. Entertainment companies face unusual risks and require specialized policies to address specific industry vulnerabilities.
There are few occasions in life as profound as a wedding, and entertainers are immensely vital participants. Industry performers often embrace a variation of Murphy’s Law: “Anything that can go wrong – will go wrong – and at the worst possible time.” Wedding performer liability insurance expertly shelters a wedding event and entertainers from unforeseen circumstances.