Looking for Event Entertainment Insurance?
Protect your entertainment business from performance injuries, equipment damage, liability claims, and event cancellations. Harper provides insurance for DJs, bands, performers, and production providers, with fast certificates for venues, clients, and organizers.
What is Event Entertainment Insurance?
Event entertainment insurance protects performers and entertainment service providers from risks such as third-party injuries, property damage, equipment loss, and cancellation-related financial exposure. Coverage commonly includes general liability, equipment protection (often via inland marine), and event cancellation coverage when applicable. Venues and clients often require proof of insurance before performances.
Performance Liability
Covers third-party injuries or property damage that occurs during your performance, setup, teardown, or event participation.
Equipment Protection
Protects instruments, sound systems, lighting, DJ gear, and performance equipment against theft, damage, or loss.
Event Cancellation Coverage
Helps protect against certain financial losses if a booked performance is cancelled or postponed due to covered reasons.
Certificates
Fast proof of insurance for venues, clients, event organizers, and contract requirements.
Who Needs Event Entertainment Insurance?
- DJs and musicians : Businesses requiring specialized insurance coverage
- Bands and performers : Businesses requiring specialized insurance coverage
- Specialty entertainers (magicians, acts, etc.) : Businesses requiring specialized insurance coverage
- Production companies and technical providers : Businesses requiring specialized insurance coverage
Why Harper?
Entertainment & Performance Expertise
Performers face unique exposure: crowds, venue requirements, tight schedules, and high-value equipment. Harper understands these risks and places coverage designed for working entertainers and production providers.
Fast Proof for Venues & Contracts
Venues often require insurance documentation before granting access or confirming bookings. Harper delivers certificates quickly and helps meet venue-specific requirements.
Clear, Practical Guidance
We explain liability, equipment coverage, and cancellation options in straightforward terms so you know what protects you at events and on the road.
Coverage Matched to Your Act
Whether you’re a DJ, band, specialty performer, or production provider, Harper aligns coverage with your equipment needs, performance settings, and event schedule.
Frequently Asked Questions
What insurance do entertainers need?
Most entertainers need general liability for performance-related injuries or property damage and equipment coverage for gear. Event cancellation coverage may also apply depending on contracts and income exposure. Workers compensation may apply if you have employees or crew.
Is event entertainment insurance required?
Often, yes. Many venues require liability coverage before allowing performances, and event contracts frequently specify insurance requirements as part of booking terms.
How much does event entertainment insurance cost?
Solo entertainers often pay $300–$800 annually, while production companies and higher-equipment operations may range from $1,500 to $5,000+ depending on gear value and event volume.
Does insurance cover equipment damage or theft?
Equipment coverage can protect instruments and gear from theft, accidental damage, and loss at venues or during transport, subject to coverage limits and terms.
Does insurance cover event cancellations?
Event cancellation coverage may protect certain lost income or expenses when an event is cancelled for covered reasons (like illness or specific weather-related issues), depending on the policy.
Can I add venues as additional insureds?
Yes. Many venue contracts require venues to be added as additional insureds. Harper handles certificates and endorsements to meet event compliance needs.