Entertainment Industry Insurance
Specialty insurance solutions tailored to your unique needs.
Get StartedApplause-worthy protection from an insurance partner dedicated to TRU Insurance solutions.
Do you want cheap, fake insurance that will end up costing you more in the long run when a claim occurs, or do you want real, TRU Insurance that provides true peace of mind?
What is Entertainment Industry Insurance?
Entertainment industry insurance is a specialized form of protection designed to meet the unique needs and challenges faced by entertainers and businesses in the entertainment and show business industry. Whether you’re hosting a music festival or dancing at the local theater, unforeseen events can occur, potentially causing significant financial strain and operational difficulties. The dynamic nature of the entertainment sector, with its myriad of activities involving public engagement, sophisticated equipment, and various venues, means that a single mishap can ripple into reputational damage or liability claims. That’s where the value of having a secure insurance partner becomes evident.
At XINSURANCE, we understand the high stakes and the spotlights don’t leave much room for error. Our approach is to equip you with the confidence and support needed to navigate the highs and lows of the entertainment world. With our hands-on, partnership-driven philosophy, we stand by your side to help mitigate risks, embracing the inevitability of claims rather than avoiding them, ensuring that, no matter the act, the show will go on.
Who We Can Help
We’ve been helping countless businesses, performers, and individuals in the entertainment industry with liability insurance solutions for over 40 years. We can provide solutions for the following:
- Entertainment Venues
- Event Organizers
- Production Companies
- Entertainers
- Performers
- Rental Equipment Companies
- Security Guards
- And More!
What Insurance Coverage is Needed in the Entertainment Industry?
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Event Cancellation Insurance:
Important for event organizers, this covers losses due to the unexpected cancellation, interruption, or postponement of an event.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Liquor Liability
Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Firearms Liability*
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Weapons Coverage
Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Products Liability
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Liability Insurance for the Entertainment Industry
Why is liability insurance important in the entertainment industry?
Liability insurance is essential because it protects entertainment businesses and professionals against financial losses from lawsuits, claims, and legal fees associated with accidents, injuries, and other liabilities that can arise during events or within the scope of business operations.
Are there insurance policies for one-time events?
Yes, XINSURANCE can provide special event insurance solutions that cover one-time events.
Do you offer entertainer insurance?
Yes, XINSURANCE offers entertainer insurance solutions to a variety of individuals, including:
- Actors and actresses
- Artists
- Bands and musicians
- Comedians
- Dancers
- DJs
- Magicians
- Performers
- Singers
- Streamers
- And more!
What's the importance of event cancellation insurance?
Event cancellation insurance is vital for recuperating lost revenue and covering non-refundable expenses if an event is canceled, postponed, or interrupted due to reasons like weather, illness, or venue issues.
Can I get coverage for rented or leased equipment?
Yes, we offer solutions to cover rented or leased equipment, which is essential for production companies that frequently use such gear.
Are there policies that cover multiple locations or tours?
Yes, we offer insurance solutions that can cover businesses operating at multiple locations or going on tours, accommodating the mobile nature of many entertainment activities.
Are all entertainment businesses required to have liability insurance?
While not always legally required, many venues, partners, and regulatory bodies may mandate liability insurance as a condition for conducting business or hosting events.
Can I get insurance coverage for cancellations due to COVID-19?
Now that the world is opening up again for business, it’s time to celebrate! People are eager to attend high-profile events and activities again. The only problem is that most insurance providers are tightening their guidelines and dropping entire classes of businesses in the post-COVID era.
XINSURANCE provides customized liability insurance solutions for any kind of event you can dream up — everything from fireworks displays to the biggest music festivals. Something unique that we provide solutions for is coverage for communicable disease liability, which is an optional policy endorsement that enhances your insurance policy. Some of the coverage highlights for communicable disease liability include:
- Defense and indemnification against allegations of negligence arising out of exposure to a Declared Pandemic Disease or Pathogen.
- Coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19!
This innovative endorsement is designed to give you the peace of mind you need to conduct business with the public in today’s uncertain times.
Learn more about communicable disease liability here.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does entertainment industry insurance cost?
The cost is based on various factors, including the type of entertainment service, the size of the audience, the location, the number of events, the coverage limits, and more. It’s best to contact XINSURANCE and tell us more about your insurance needs so we can provide a personalized quote.
Concert and Music Festival Insurance
Music concerts and festivals are loud and crowded, but most importantly, they’re fun! If you’re the host or owner of a concert, festival, or venue, make sure you have liability insurance from XINSURANCE.
Get a quote and true peace of mind today!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Security Guards
We provide specialty liability insurance solutions for security guards and security services. We can even help armed guards and those with a claims history.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
