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Entertainer Liability: The Show Must Go On
Nothing compares to live entertainment. Whether you are working as a clown at local birthday parties, a magician at corporate events, or even as a deejay at the hottest clubs in town, for that one brief moment in the spotlight, you are an undisputed star. Unfortunately, bad things can happen to good people at any time. One simple accident during one of your performance could put a permanent end to your time in the spotlight.
There are a number of hazards and risks assigned with any live performance. Think of the financial impact you would face if someone slipped and fell while climbing on the stage to assist you with your act. Also, while clowns are fun for all ages, it is no laughing matter when a bit goes awry and a prop injures a child in the audience.
We live in a very, very litigious age where the first instinct of any injured party is to go straight to a lawyer and to sue the person they think is responsible for their injury or property loss. The idea of working things out with an injured or wronged party, outside of the court system, has been cast to the wayside in favor of big jury payouts.
Because of this, one second of inattention, or one incident of simple bad luck, can result in catastrophic legal claims against a performer. No performer is immune to these claims — something as basic as a face painting can lead to a lawsuit if the person being painted is allergic to the paint being used.
Performers need to insulate themselves against this potentially career-ending liability, and the best way to do this is with entertainer liability insurance. This insurance can give the legal protection and the peace of mind you need to know that the show will go on and that your talent will not be forever silenced by one bad incident.
Coverage is available for the entire entertainment spectrum, from clowns, magicians, deejays, dancers, and comedians, to jugglers, music acts, singers, bands, and many, many others. It will protect you from claims arising from any potential injury an audience member may suffer at one of your performances as well as any property damage to the performance venue or the personal property of audience members.
Contact us today for more information on how we can help you guarantee that the show will go on for many years to come.
Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.