Looking for Talent Agent Insurance?
Protect your talent agency from professional errors, contract disputes, client claims, and fiduciary liability. Get coverage for talent agents, booking agencies, and entertainment representation services.
What is Talent Agent Insurance?
Talent agent insurance protects representation businesses from professional errors, contract disputes, fiduciary liability, and client claims. Coverage includes professional liability (E&O), fiduciary liability, and general liability. Clients, industry organizations, and state regulations require proof of insurance before representation or licensing.
Professional Liability
Coverage for contract errors, booking mistakes, or negligent representation services.
Fiduciary Liability
Protects against claims from mishandling client funds or financial mismanagement.
General Liability
Covers office injuries and property damage during business operations.
Certificates
Fast proof for clients, production companies, and licensing boards.
Who Needs Talent Agent Insurance?
- Talent Agents : Businesses requiring specialized insurance coverage
- Modeling Agencies : Businesses requiring specialized insurance coverage
- Entertainment Representatives : Businesses requiring specialized insurance coverage
- Sports Agents : Businesses requiring specialized insurance coverage
Why Harper?
Talent Agency Expertise
We understand representation risks—contract disputes, booking errors, fiduciary liability, and client claims. Get coverage for acting agents, modeling agencies, or entertainment representation.
Fast Proof for Clients
Professional talent and production companies require insurance verification. We deliver certificates quickly for representation agreements.
Clear Simple Guidance
We explain E&O coverage, fiduciary liability, and agency-specific insurance requirements clearly.
Tailored to Your Agency
Mattach coverage to your representation—acting, modeling, music, sports, or multi-discipline talent management.
Frequently Asked Questions
What insurance do talent agents need?
Talent agents need professional liability (E&O) coverage for representation errors, contract mistakes, or booking failures causing client financial losses, fiduciary liability for mishandling client funds or commission disputes, and general liability for office operations and client meetings. Cyber liability protects client data and confidential career information, while employment practices liability (EPLI) covers disputes with agency staff. Crime coverage protects against employee theft of client funds held in trust.
Is talent agent insurance required?
Many states require talent agents to carry professional liability insurance and surety bonds for licensing, with California and New York having particularly strict requirements. SAG-AFTRA and other talent unions may require franchised agents to maintain insurance. While requirements vary by state and entertainment sector, professional liability is increasingly expected for legitimate representation. Fiduciary liability is often required when agents hold client funds.
How much does talent agent insurance cost?
Solo talent agents or small boutique agencies pay $2,000–$5,000 annually for basic E&O and fiduciary coverage. Mid-sized agencies with multiple agents pay $5,000 to $20,000+ annually. Large multi-office talent agencies representing high-profile clients pay $25,000 to $100,000+ annually. Costs depend on the number of agents, client roster size, commission revenue, types of talent represented (film/TV costs more than commercial), claims history, and coverage limits.
Does insurance cover booking mistakes?
Professional liability (E&O) covers claims when booking errors, contract mistakes, or scheduling failures cause talent to lose work opportunities or suffer financial damages. Examples include double-booking talent for conflicting jobs, missing contract deadlines, causing loss of roles, or negotiating unfavorable terms, costing clients money. Coverage applies when agents follow industry standards and act in good faith. Intentional contract breaches or representing talent outside expertise areas may not be covered.
Does insurance cover client fund mismanagement?
Fiduciary liability coverage protects against claims when agents mishandle client funds, including commission disputes, improper deductions, commingling client and agency funds, or delays in remitting payments to talent. Coverage applies when honest mistakes or errors occurred despite good-faith efforts. Intentional theft, fraud, or knowing conversion of client funds would not be covered, though crime/fidelity coverage addresses employee dishonesty.
Can production companies require agent insurance?
While production companies typically don't require talent agents to carry insurance (they contract with the talent directly), agents representing talent for high-value contracts or endorsement deals may be asked to provide proof of E&O coverage. Major talent seeking representation often requests confirmation that agents carry adequate insurance protecting their career interests. Franchised agencies under union agreements must meet specific insurance requirements.