| Liability Insurance for Santas, Mrs. Claus and Helpers | |
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Today's Santa is actually a member of a much larger industry of party entertainers. Over the past thirty years it has become more and more important that you protect not only yourself but your clients in case of an accident. Entertainer's liability insurance is now required by almost every commercial venue where you might work. and for your own protection you should also have it for those private parties and social events you attend. Even if it is a non-profit or not-for-profit event you need to protect yourself, should an accident happen. Even if you are not a party to an accident, someone may try to include you in their claims following an accident. RealSantas.com requires that every Santa and entertainer that we employ, or refer to a client, carry a minimum $1-million in liability insurance. A certificate of insurance must be sent to RealSantas.com as a named insured. Sometimes a client will also require a certificate being listed as a named insured. Make sure your carrier will supply that for you. . The
following companies offer policies to protect you and in some cases
extend the coverage to your spouse, a helper and even offer various
additional coverage.
You can also obtain
your insurance through other associations and sources. All we
require is proof of coverage. Should you have any question on these insurance carriers, please contact them direct. I am not an underwriter and really cannot answer any of your questions. |
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FORBS - offers an insurance plan via Kaercher Campbell & Associates. They have a policy for members which is around $176.00. A spouse or helper can be added for $75.(Other policies require a policy for each performer or worker) It is a One Million/Two Million Dollar Policy, with a $100,000.00 coverage to cover any damage to facilities you might work at However, you must be a member of FORBS which cost around $25 a year. This is a full coverage for you which means you have the full One/Two Million coverage for yourself. In addition, if you get your background check through the insurance company and pass, they will add, AT NO EXTRA COST, an additional $50,000.00 coverage against anyone accusing you of mis-conduct. Insurance Details at: http://www.forbsantas.org/MemberServices/FORBS_Insurance.html
Background check details at: http://www.forbsantas.org/MemberServices/Background_Check.html
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K & K
Insurance - Offers Entertainers
Liability Insurance. They offer a One/Two million coverage for
$200 a year, incomes under $30,000 and $300 incomes over $30,000
For Two/Two million coverage it is $300 and $450 respectively.
Their policy is your own policy with full coverage. The rental
premises coverage is $300,000 and they also have an addition $5,000
medical coverage per incident. This medical coverage is not for
you or anyone working for or with you. It is for a child or guest
who gets hurt as a result of your actions. |
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Specialty
Insurance Agency -
– Offers a Three Million/Four Million Policy for
$190 from April 25 to April 25.
This is a ‘group’ policy which means the hundreds of clowns,
Santas and other entertainers share in the three million/four million
coverage. Their link is:
http://www.specialtyinsuranceagency.com/about-us.html
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