This is Why Santa Needs Performers Insurance  

For a professional Santa Claus, this is the busiest time of year. Every day, you are responsible for keeping the magic alive for children by putting on a convincing performance. Although it may not seem like you face many risks working as a professional Santa, the truth is that you could still face lawsuits and financial loss. For this reason, you need performers insurance to protect yourself.

About Performer Insurance

Performer insurance is a special type of insurance coverage designed to cover individuals who provide entertainment as a service. Whether you are entertaining a large crowd in a scheduled performance or you are meeting children all day at the mall, you need this type of insurance to protect you from liability. Without this coverage, you may be held responsible for incidents that occur while you are performing, such as injury to children or their parents.

In many cases, individuals make claims against performers that are completely groundless. Unfortunately, in these cases, you must still hire a lawyer to defend yourself, which can be very costly. If the case goes on long enough, you may experience significant financial loss even if you are completely innocent of the claims made against you. Fortunately, if you have performers insurance, your policy will cover these legal fees for you even in cases where the claims against you are fabricated or exaggerated.

Little girl taking a selfie with Santa

Performers Insurance from Marine Agency

Marine Agency’s performers’ insurance program provides liability insurance opens in a new window coverage to meet the needs of any professional Santa Claus. We offer coverage options ranging from annual policies to protection for a single scheduled event. If you invest in performers insurance from Marine Agency, you will receive coverage for:

  • Personal and advertising injury
  • Property damage
  • Bodily injury

Some of the most common types of claims we cover under our performers’ insurance policies include alleged general negligence opens in a new window, injury or death of spectators, property damage related to performances and products liability claims. Our performers’ insurance includes no deductible, which means you won’t have to pay anything out-of-pocket for covered claims. Marine Agency is proud to offer policies with up to $1 million worth of liability coverage.


Optional coverage available includes:

  • Coverage for the equipment you use when performing.
  • Increased coverage limits in excess of $1 million.
  • Coverage for vehicles you use when performing.

Who Can Be Covered by Performers Insurance?

Marine Agency’s performers’ insurance program is designed for individual performers. Our agents will be happy to review your situation and let you know whether this coverage is right for you. This type of insurance does not cover any performance that involves fireworks, weapons or fire. Other exclusions may also apply to performers insurance. All of these details will be included in your policy, and you can discuss them with your agent before making a purchase.

Key Takeaways

  • Even though professional Santas may only work a few months out of the year, they still need to protect themselves from liability with the right performers’ insurance policy.
  • Performers insurance protects the covered individual from liability related to property damage, bodily injury and personal or advertising injury. Some exclusions may apply.
  • Marine Agency is proud to offer affordable performers insurance to part-time or full-time Santas with a standard limit of up to $1 million in liability coverage. Optional additions to coverage are also available.

If you are working as a professional Santa Claus this Christmas, you need to make sure you are adequately protected by purchasing an appropriate performers insurance policy. Please contact Marine Agency today to learn more about the performers’ insurance options we offer.

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    Main Office

    34 W Main Street #201
    Somerville NJ 08876

    Local: 908-838-9762

    Toll-Free: 84-INSURE-NJ (844-678-7365)


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    34 W Main Street #201
    Somerville NJ 08876

    Local: 973-763-4711

    Toll-Free: 800-35-MARINE (800-356-2746)

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