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Entertainment Insurance
Small business coverage for entertainment companies
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Entertainment liability insurance that fits your business needs
Live theater, movie productions, festivals, concerts, and cultural events all come with unique risks. That's why it's important to get tailored entertainment coverage that fits your business. Whatever part of the arts, entertainment, and media sector you work in, we have personalized policies to meet your needs.
What is entertainment insurance?
Entertainment insurance is specialized business insurance designed with the needs of performers, artists, and media professionals in mind. It can include coverage for vehicles, staff, venues, equipment, and patrons. Some policies also help safeguard your intellectual property in case someone tries to misuse your copyrighted work.
Progressive Commercial can connect you with protection for everything from tour buses to event planning. Call us or start an online quote today to create a media and entertainment insurance policy that's right for you.
Why arts and entertainment insurance is important
Entertainment industry insurance matters because it protects your business from unexpected costs so the show can go on. Let's say your touring company breaks a theater door while loading equipment. Entertainment liability insurance could help pay for repairs and save you from covering the full cost yourself.
Good business insurance does more than cover accidents, too. It can also help you grow and open doors to new opportunities.
For example, many venues, entertainers, government officials, and other industry professionals require proof of insurance before you can start work. A certificate of insurance (COI) shows you have coverage and lists your policy details. If you have a Progressive Commercial policy, getting a COI is quick and easy, which lets you focus on booking gigs and starting new projects.
Who needs entertainment insurance?
Media and entertainment insurance is appropriate for many businesses in arts and entertainment, such as:
- Performance venues
- Musical groups
- Touring performers
- Cultural centers
- Event organizers
- Arts promoters
- Talent agencies
- Movie and TV production companies
Creative businesses take many forms. Whether your theater company is an LLC or your talent agency is a sole proprietorship, media and entertainment insurance can provide a valuable safety net.
Types of insurance for media, arts, and entertainment businesses
Media, arts, and entertainment companies come in all shapes and sizes. After all, there's more than one way to create and perform great work. The type of coverage you need depends on what you do and how you operate. These are some of the most important coverages to consider when building a policy that fits your business.
General liability (GL)
Covers third-party injuries and property damage
General liability (GL)
Covers third-party injuries and property damage
General liability is crucial in the entertainment world because it covers accidental harm to others, like property damage to venues or injuries to audience members. Having the right coverage protects the people and places that make your events happen. Learn about the benefits of general liability and the cost of GL insurance.
Example: A patron slips and falls on a wet floor in your theater lobby and breaks their arm. Your general liability policy could pay their medical bills and any legal fees if they decide to sue.
Business owners policy (BOP)
Packages liability and property coverage in one flexible policy
Business owners policy (BOP)
Packages liability and property coverage in one flexible policy
A business owners policy combines liability coverage with protection for your business personal property, like office furniture, cameras, speakers, props, or other equipment. Explore BOP coverages and add-ons to see how you can customize your insurance.
Example: Your podcast studio is damaged by fire. Your BOP could cover the cost of building repairs, loss of income while the studio is unusable, and legal claims if someone outside your business was injured in the fire.
Inland marine
Covers movable equipment and supplies
Inland marine
Covers movable equipment and supplies
While a basic BOP protects your business property at your primary office or place of business, inland marine insurance covers property while it's in transport or being stored off-site. Companies that travel to events or keep equipment in a storage unit should consider adding this coverage to their BOP or GL policy.
Example: Your concert promotion business is taking lighting rigs and soundboards to an outdoor festival. If the gear is damaged when the truck hits a pothole, inland marine can help cover the repair or replacement cost.
Equipment breakdown
Pays for repairs when your equipment breaks
Equipment breakdown
Pays for repairs when your equipment breaks
Arts and media professionals rely on valuable equipment, such as cameras, sound kits, and professional lighting. Equipment breakdown coverage can pay to repair or replace damaged gear, minimizing the cost of getting back to work.
Example: A power surge on location fries your high-end digital camera. Equipment breakdown coverage can pay to replace the camera so you can recover quickly.
Commercial auto
Protects your business vehicles and drivers
Commercial auto
Protects your business vehicles and drivers
Basic commercial auto insurance typically includes liability coverage required by the state, which helps pay for injuries and property damage you cause others. To protect your passengers and vehicle, you can add other commercial auto coverages, such as comprehensive and collision.
Example: Your assistant gets into an accident with the production company van while picking up actors from the airport. Depending on your commercial auto insurance, your policy could cover medical bills for the injured parties and vehicle repairs.
Workers' compensation
Protects workers injured on the job
Workers' compensation
Protects workers injured on the job
Companies need workers' compensation insurance to protect their employees against on-the-job injuries. The cost of workers' comp depends on things like how many employees you have and the risks they face. See your state's workers' comp rules for more information.
Example: A stagehand falls off a ladder and breaks their wrist while setting up a show. Workers' comp can pay for their medical bills and lost wages until they can return to work.
Professional liability
Covers claims of negligence and copyright infringement
Professional liability
Covers claims of negligence and copyright infringement
If someone claims you used their copyrighted intellectual property (IP) such as a song or play without their permission, professional liability insurance can help protect you. It pays for legal costs and investigative expenses related to the claim.
Example: Your theater manager forgot to submit the final application for licensing a play. Halfway through the run, you receive a copyright infringement claim from the playwright. Professional liability coverage would cover legal costs related to the IP claim.
Cyber
Guards against cyber attacks and data breaches
Cyber
Guards against cyber attacks and data breaches
If you process credit cards or store potentially sensitive information, like patron addresses, consider cyber insurance. It can help respond to a data breach or cyber attack by covering investigative fees or hiring a data recovery specialist. Learn more about cyber insurance costs and what it covers.
Example: A hacker gets into your online ticketing system and steals credit card information for thousands of patrons. Cyber insurance can help with notifying customers, getting credit monitoring service, and covering legal fees related to the breach.
Employment practices liability insurance (EPLI) for arts and entertainment
EPLI helps protect your business if an employee makes claims related to discrimination, harassment, or being unfairly fired. It can cover legal costs and other expenses, even if the claim isn't true.
Entertainment insurance cost
The cost of business insurance for your company is based on the risks it faces. For example, a large venue where technicians routinely work at height on the lighting grid is likely to pay more than a small venue with fewer technical jobs.
Here's what many insurers consider when working with arts, entertainment, and media companies:
- Number of employees
- Revenue
- Location
- Type of entertainment
- Specialty equipment
- Venue layout
- Coverages and limits
- Claims history
Businesses with company vehicles will also need to factor in the cost of commercial auto coverage as part of their total cost. We offer a multi-product discount for customers who have a BOP or general liability policy and commercial auto insurance.
Explore other insurance discounts that can help you save with Progressive Commercial.†
Get entertainment industry insurance through Progressive Commercial
We've been insuring small businesses like yours for over 50 years. Our broad range of specialty coverages, expert agents, and outstanding customer service make getting the protection you need simple. We're also the #1 commercial auto insurer in the country,* making us an ideal partner for anyone who travels to venues, festivals, or other events for work.
Get a quote online anytime. It's fast, easy, and lets you explore coverage options at your own pace. You can check for possible discounts, see pricing, and find a policy that meets your entertainment business's needs. If you'd rather talk it out, call us to speak with a licensed agent.
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