These entertainers need a specific type of coverage to protect them against their unique risks.
Entertainers who work at birthdays and other types of parties can benefit from purchasing clown insurance coverage. Though most events will go relatively smoothly, it takes only one mishap involving an injury or damaged property during a performance to bring on a lawsuit with substantial financial consequences.
Entertainment may sound fun but it is also a business in which liability protection is necessary.
While some entertainers purchase general liability insurance, others look for specific clown insurance to cover the specific types of injury or property damage claims that can occur in this business. Depending on the type of act you provide at your parties, you can also find this type of insurance policy that extends to up to a handful of assistants if they are a part of your performance.
It’s important to recognize that there isn’t a standard party clown insurance policy. This means that it’s very important to comparison shop and become familiar with all your options. By doing this, you will be able to spot the policy that will best suit your act and your business needs. Remember to look into the types of coverage you can obtain for more traditional types of liability such as injury and property damage. You also need to look at the maximum amount of coverage and whether there are gross income limitations.
Be sure to examine the details of a clown insurance policy to know the coverage and exclusions.
For instance, some insurance policies require you to be 18 years of age or older. It may require you to be a resident of a certain state. If your act includes other people or animals, you’ll need to check to see if they are included or excluded in the coverage.
Many policies will cover some of your assistants required they are aged 16 or older. Moreover, they may only include coverage for certain specific animals. If you include animals in your act, it’s important to ask to find out if they are specifically covered or excluded. Small dogs are often covered, as are rabbits. However, smaller animals such as rats or reptiles, or larger animals such as livestock, are excluded.
It’s also important to inquire about clown insurance for the parts of your act that make you unique, such as aerial or 
acrobatic performances, hypnotism, sword swallowing, fire breathing or swallowing, body piercing, henna tattoos or tattooing.
