Holiday Insurance

‘Tis the season for holiday fun and entertainment. ‘Tis also the season for accidents. Nothing can ruin a fun holiday experience more than an accident that can have colossal ramifications.  It seems like just about everywhere you go during this time of year, you run into a shopping mall or sidewalk Santa, roaming carolers, or some other type of holiday entertainer. What you might not realize is that each of these performers has constant potential to put themselves and their audiences in harm’s way.

The best way holiday performers can protect themselves and the people they entertain is by obtaining seasonal performer’s insurance. Keep reading to learn about the many benefits this type of insurance provides.

Shopping Mall Santas

One of the most obvious holiday performers is the shopping mall Santa. These Santas take time out from their busy North Pole schedule to sit in malls and take gift requests from children. These Santas seldom work alone. They usually have a crew of elves, and perhaps even some reindeer along for the ride. Mrs. Claus is usually there as well, running the show. Each of these performers is necessary to create the magical aura that shoppers expect from their shopping experience at this time of year. Shoppers who don’t even have children enjoy seeing the wonderland that is created at the center courts of malls across the country. The holiday season would not be complete without this entire entourage of holiday performers.

Other Holiday Entertainers

Shopping mall Santas may be the most obvious holiday season performers, but they are not alone. There are many other holiday performers who work hard all season long. Other types of holiday performers include singers, dancers and actors who perform in holiday shows. These people work tirelessly to bring holiday enjoyment to the general public all season long. Ice skaters practice for months to perform in holiday-themed ice shows. There are also seasonal photographers who are hired to take snapshots of remembrances of the season. The holidays would simply be ordinary days without the hard work, talents, and efforts of these people.

Protecting Entertainers and Audiences

Since holiday entertainers are such an integral part of the season, it is important for them to be protected in the event of an accident. Since holiday performers are often nomadic, they cannot rely on the venues that temporarily house them to have sufficient insurance coverage that includes visiting performers. This reason is but one of many that explains why holiday performers need to have performer’s insurance. Another solid reason for obtaining performer’s insurance is that it protects audience members as well as performers. One never knows when a performance can go awry and cause injury or other harm to an audience member. Often, holiday performances involve audience participation. Since audience members are not professional performers, they might be asked to engage in activities they have not done before. If an audience member is hurt and needs medical attention, it can be costly. Performer’s insurance can help defray the costs involved in this type of accident and prevent the performing troupe from having to spend excessive amounts of money to cover the audience member’s medical costs.

Who Needs Performer’s Insurance?

Performer’s insurance is a great idea for anyone in the entertainment industry. It is especially important for seasonal performers. Seasonal performers are often at risk of being liable for their own injuries or the injuries of others. Since the holiday season is so short, those who perform at this time of year often do not have storefronts from which they work. Since they are often at the mercy of owners of venues, without performer’s insurance, they run the risk of being underinsured or even uninsured. If an accident were to happen, under those circumstances, the results could be disastrous.

What Does Performer’s Insurance Cover?

Most performer’s insurance policies cover instances of bodily injury, property damage, and personal and advertising injury. Many performer’s insurance policies cover injury or death to spectators or audience members, property damage, alleged negligence, use of practice areas or fields, and instances of corporal punishment. Further, performer’s insurance covers the costs of investigating and defending legal actions.

Optional Coverage

Performer’s insurance policies come with several options that make them customizable. So, they can easily fit the needs of any and all holiday season performers. Some options many insurance companies offer include equipment coverage, hired and non-owned auto liability coverage, and increased limits.

Holiday season performers are vulnerable to accidents and lawsuits. Obtaining performer’s insurance is the best way to make sure you are covered and can continue performing for years to come. Marine Agency is among the industry leaders in providing top-notch performer’s coverage at reasonable prices. Our plans are comprehensive and customizable. Plus, there is no deductible – which saves you money!

If you are interested in our many insurance options, give us a call today at 800-763-4775 to speak with one of our friendly and knowledgeable representatives, or visit us on the web here.

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