Who Trusts Us? Entertainment Professionals Like You
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Why Do Entertainers Need Insurance?
Is Entertainment Insurance Mandatory by Law?
Nonetheless, if you are required to have insurance as an entertainer it all depends on the type of business you are running and what exactly is what you need to insure. However, general liability insurance is not legally required for entertainment business professionals. Although it is always a good idea to have. It may help you if ever an accident occurs, and someone blames it on your business. If you have employees or a vehicle that you use for business, you may need worker’s compensation or commercial auto insurance, and cameramen will probably want that you have coverage for their cameras and other equipment.
Why do I need Entertainment Insurance?
Making people happy is what your business is all about. In the unfortunate event that something you do results in a disappointed client; your insurance may have your back. By having entertainment insurance, you have less to worry about and more time to run your business and do what you do best by growing and having a successful business.
How will having Insurance Impact my Business?
The benefit of having solid coverage is the confidence you will have. Good insurance also indicates professionalism in your work. Your clients will know and feel confident working with a professional insured that has the proper coverage needed. Clients CouvertLA Insurance Services has an advantage due to our Live Certificate of Insurance that is easy to share. Meanwhile, your competitors are struggling with paperwork when clients ask to show proof of insurance, all you will have to do is click a button from your cell phone and provide your proof of insurance in seconds.
What Kind of Insurance Do I Need?
People in the profession of entertainment generally recommend one or both of the next types of insurance. For professional photographers, we recommend considering coverage for the equipment.
General Liability Insurance
This is the most basic level of insurance. It protects your company against unexpected expenses that ascend from three related types of accidents: bodily injury, property damage, and personal injury. These definitions are not upfront as they may appear.
For example, let’s say that you’re a DJ, and someone trips over the power cord connected to your speaker system and breaks an ankle during a party. They should have watched their step and been more careful, but they decide it’s your responsibility and claim that you need to cover all of their medical expenses. That and other injuries to individuals other than you or your employees could fall under bodily injury coverage, by having general liability insurance may possibly pay them and save you the time and expenses of a lawsuit.
You’re a photographer, you post a photo of yours on social media that made someone look bad. They want to sue you for defamation. That could fall under the classification of personal injury, therefore general liability insurance may cover your legal expenses.
Lastly, property damage occurs. You are an event planner, and while you’re setting up the floral preparations for a wedding, you accidentally knocked over a luxurious vase and it smashes on the floor, you’ll want to have general liability insurance. That would be considered property damage, with general liability insurance it possibly will cover the cost of a replacement.
Professional Liability Insurance
We offer professional liability coverage to the following below:
- Medical & Lab Directors
- Day Spa
- Beauty/Makeup Artist Independent Contractors
- Permanent Cosmetics & Microblading
- Professional Photographers
- Event Planners
Our Approach: One Insurance Policy
Although general liability insurance—generally speaking—covers accidents, professional liability insurance covers cases where you may be accused of not having done a good enough job. Even the most experienced professionals are humans and may even make mistakes! Perhaps you made an error with your scheduling and accidentally double-booked a venue, leaving your clients scrambling at the last minute for a new location. Possibly you underestimated the time it would take to set up the arrangements, and by the time the guests are arriving, only half of the room has been decorated. Professional liability insurance could compensate your clients and make it possible for you to move forward.
The differentiation between general liability insurance and professional liability insurance may be unclear to you, and if so, no need to worry—this can be very technical! We want to save you the hassle of finding out what you need for your company. For that reason, that’s why we offer just one liability insurance policy for event planners and other professionals.
Our policies are tailored to fulfill your needs, without requiring unnecessary coverage that only drives your expenses up. We design each of our policies carefully and according to research into the kinds of issues people in your field are most likely to come across. That way, we’re able to offer you exceptional coverage at a reasonable price.
How Much Does Entertainment Liability Insurance Cost?
Insurance is not one-size-fits-all. And it should not be. We would like to provide you with insurance that is custom-made precisely to the needs of your business. Our rates vary according to a variety of reasons: how big is your business, what types of services you offer, and where you’re located, to name a few.
For most of our client’s entertainment insurance is about $30 per month—but we would be doing you a disservice to give you an entertainment insurance quote without knowing the specific details of your business. Luckily, getting the exact price is easy. Simply submit your request online and you’ll have your personalized liability insurance quote in just a few minutes.
How Do I Know I Can Trust You?
We know it can be difficult to run your own company. Finding the right type of insurance for it might be a daunting task. You want to be sure your hard-earned money is invested in a policy that will protect you if you need it and help your company succeed. We could tell you how committed we are to our customers’ satisfaction or share with you all the online features we’ve built to make our customers’ lives easier, but perhaps it’s best to let our business owners speak for themselves. Feel free to check out the customer reviews from business owners just like you who have chosen CouvertLA Insurance Service to protect their businesses.
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