Insuring yourself as a performer
A great performance takes hard work, rehearsals and planning, so when things go wrong it can be a real let down. If props or instruments break, people make mistakes or you have to cancel a performance, it’s annoying for you and your audience, but you could do without financial and legal headaches too. We’ll put together a comprehensive insurance package that’s tailored to your needs, whether you're an artist, a musician, a dancer or an actor.
Why you need business insurance in the performing arts
Coping with injuries
Sometimes you suffer for your art – literally. Injuries are upsetting and stressful, but they can also cost you time, money and possibly your reputation. A serious accident could even end your career. We’ll help with expenses and even the cost of retraining if you can’t return to the stage. We’ve got your back so you can focus on entertaining your audience.
Protecting your equipment
Whatever your creative calling, chances are you need to rely on some kind of equipment, even if it’s only your mobile devices or your laptop. If your equipment is broken or stolen it means losing time and money, while dealing with angry clients, until you can source replacements or repairs. It could even put client data at risk. Having insurance for performers in place means we’ll cover those costs and get you back on the stage in no time.
Problems with data
As a performer you need to get the word out. Pulling in an audience can be hard work and one of the best ways to do it is through mailing lists and social media. But that brings its own problems and once you start sharing or holding data, you need to be careful that it doesn't fall into the wrong hands, either through a mistake on your part or because of a malicious cyber attack.
If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for the performing arts industry
Personal accident insurance
Personal accident insurance matters, because injuries aren't limited to those that come as a direct result of performing. You may be very highly skilled in your discipline, but accidents that happen on the way to a gig could be just as likely to put you out of work. Personal accident insurance is there to help ease the stress by helping to cover your expenses while you concentrate on your recovery.
Portable equipment insurance
Portable equipment insurance covers the cost of replacing or repairing the equipment you rely on to do your job. Losing your equipment is a real headache, especially if it’s rare and holds sentimental value. But on a practical level it means lost earnings and the risk of missing performances, leading to legal action as well. If something goes wrong with your instruments, props, lights or other kit, we’ll pay to get it fixed or replaced, so you can get back to work as quickly as possible.
Cyber and data risk insurance
Getting noticed is really important, whatever your creative field there’s lots of competition and you need to be able to persuade a potential audience to spend time with you. Social media is a big part of it, as are mailing lists, but you need to be careful with the data you hold. If it’s accidentally shared or held to ransom by hackers it can be expensive and embarrassing. Cyber and data cover helps with recovery and gives you access to our specialist team of experts.
These are just some of the types of business insurance that we can offer for performers. We can provide other specific types of cover and build them into a policy that’s tailored to your exact needs.
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