We offer customized insurance solutions for those who suit up as Santa to keep the holidays jolly and worry-free of Grinch-like lawsuits.
Whether you work full-time, part-time, seasonal, or volunteer at a shopping mall or store, entertain crowds at parades or tree lightings or make appearances at holiday parties or charity events, we can offer customized insurance solutions to continue having Santa spread some holiday cheer.
What Is Santa Claus Insurance and Why You Need It
Santa Claus Insurance is liability coverage designed for individuals who portray Santa Claus during holiday events. It provides protection against potential accidents, claims, and lawsuits that may occur while performing your duties as Santa.
Santa Claus Liability Insurance is a must-have. It can safeguard Santa and the event organizer from unexpected liabilities that could arise during festive activities. Additionally, Santa Claus Insurance offers peace of mind. It allows Santas to focus on bringing holiday cheer without worrying about the potential financial consequences of unforeseen incidents.
By obtaining Santa Claus Insurance, individuals, venues, and event organizers can ensure a joyful and safe experience for everyone involved while also safeguarding their financial well-being.
Who Needs Santa Claus Insurance?
- Volunteer Santas
- Shopping Mall Santas
- Entertainers
- Performers
- Event Organizers
- And More!
Coverage Options for Santa Claus Insurance
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Animal Liability
If you have an animal with you, such as a reindeer or a dog dressed up as a reindeer, this coverage can protect you against third-party bodily injury and third-party property damage claims. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting incident that occurs while you perform your duties as Santa Claus. 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
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
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.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being used, stored, transported, or while rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage. Equipment can include sleighs, animatronics, etc.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
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.
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
FAQ About Santa Claus Liability Insurance
Why Should I Have Santa Claus Insurance?
You need Santa Claus Insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having Santa Claus liability insurance can protect you from significant financial loss and sometimes can be the difference between keeping your job or ending your career as Santa.
In some places, liability insurance may be required. Most commercial venues require you to have some type of entertainer’s or volunteer’s liability insurance. For private events and parties, you should still have insurance for your own protection.
What Are the Risks of Being Santa Claus?
If a child falls off your lap, trips over your boots or photo cables, chokes on a candy cane or cookie, or just slips while you’re in proximity, the parents could try to sue you. In addition, allegations of misconduct or inappropriate touching could result in another lawsuit and the end of your Santa career. It’s best to carry liability insurance that can help protect you in such scenarios.
What Coverage Do I Need for My Santa Claus Insurance Policy?
The type of insurance coverage needed as Santa Claus will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.
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.
Liability Insurance Solutions for Santa Claus
Whether this is your first time being Santa Claus or you’re a seasoned veteran, we can provide an insurance solution based on your needs.
If you have an existing insurance policy, we can take a look at it to identify any gaps or exclusions that are leaving you exposed. Upon review, we may offer insurance solutions that fill the gaps and leave you with true peace of mind.
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
Winter Recreation
We can provide personal and commercial insurance solutions for many types of winter-related activities and recreation, including but not limited to: ski resorts, snow tubing, ice skating, ice climbing, holiday markets, holiday festivals, sleigh rides, and more.
Snowmobiling
XINSURANCE provides customized insurance solutions for snowmobile rental companies, snowmobile guides, tours, instructors, operators, and more.
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.