Insurance for Santas, Mrs. Claus and Helpers
 
  Info on Background Checks Suggestions to Reduce your Liability  Workman's Comp Insurance
     
NOTE:  The following information is what I have been able to collect regarding liability Insurance.  It is subject to change by either the associations or agencies that offer these services and I assume no responsibility should they make changes to what is listed here. 
I do not make any suggestions on what background check or insurance you should get and please do not contact me asking for advice on who to choose.  I only collect this information to make it easier for you.  Should you find out, or know that something listed here is incorrect, or has changed, or if you know of another source that I should add to this list, I invite you to let me know so that I can keep this page updated with the most correct information.  Email me at:
Santa@TheKringleGroup.com

 

Entertainer or Performer Liability Insurance is protection or coverage for you the entertainer.  It is to protection for you should there be any accident or situation where you are appearing or working.  If someone gets hurt, they may want compensations or seek damages against you.  Even if you are volunteering to perform or appear, you are open to liability should something happen.  Even if it is not your fault, someone could try to sue you.

RealSantas.com, generally requires that everyone we sub-contract, or refer to a client, be covered by some form of entertainer, performer or business liability insurance. This includes Santas, entertainers, photographers, helpers, etc.

A child slips off your knee, trips over your boots, chokes on a candy cane or cookie, stares at you while walking by and trips over another child!  All of these have been grounds for lawsuits.

There are two ways to obtain this insurance.

  1. You can contact your business or personal insurance agent and ask them to add, "Entertainer's or Performer's Liability" coverage to your business or homeowners insurance.
  2. You can purchase insurance through an Entertainment Insurance Broker or a club or association.

Entertainer or Performer Liability insurance is to protect you.  The general minimum is $1-million $2-million in liability insurance through most associations and clubs usually costs somewhere between $120.00 and $215.00.  Check with your own agent to find our their prices.

RealSantas.com and other clients will often request a certificate of insurance (COI), naming them on the policy.  If you are contracted by RealSantas.com you must send us a certificate listing the following as a named insured:

The Kringle Group, LLC

dba: RealSantas.com

85 Rumford Road

Kings Park, NY 11754

Sometimes the location where you are working, may also ask for a COI naming them the property where you are appearing and even the landlord or management company.  That is why it is important to select an insurance company who will not charge you for additional certificates.  

Some insurance companies will charge a $25 or $30 fee for each additional COI.   These costs could add up.  So check around before buying your insurance.  You want to make sure you have insurance from a company that will supply all the certificates you need for free, at no extra charge. 

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 insurance for those private parties and social events you attend. Even if  you are a volunteer Santa or performer, and the event is a non-profit or not-for-profit event where you are donating your services, 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.

The following are companies and associations 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.  At RealSantas.com all we require is proof of coverage from your insurance agency in the form of a COI.  

We do not suggest or recommend one insurance company over another, but do know that each of the companies listed below offers some form of insurance.  In some cases, you will also have to join the association that is offering the insurance.  Check around and ask other Santas and entertainers, or contact your own insurance agent and ask about getting entertainer or performer's liability insurance.  Be informed.   

Should you have any question on these insurance carriers, please contact them direct. Our company cannot offer insurance as I am not a licensed underwriter and I really cannot answer anything other than what you are reading here.


FORBS Santas -    (The new FORBS for Arizona, California and Nevada Santas Only)

 Option #1           $185.00 per Santa  $2 million aggregrate coverage / $1 million per occurance - Assistant $80

Option #2          $210.00 per Santa     $4 million aggregrate coverage / $2 million per occurance -  Assistant $85

  • via Kaercher Campbell & Associates and Philadelphia Insurance Companies.

  • Must be a member of FORBS Dues are $25 a year.   

  • Coverage is October 1, through September 30 next year.  This is your personal total coverage, no sharing with other Santas or entertainers. 

  • $100,000.00 coverage on damages to premises rented by you.  $15,000.00 bodily injury by animal occurance/ $30,000.000 aggregrate

  • If you get an approved background check through Intellicorp (approximately $19.95) and pass, Kaercher Campbell will add, Abuse & Molestation Coverage sublimit  "$100,000 occurrence/$300,000 aggregate per insured IBRBS member"

  • Coverage is for work in the United States only.

  • Coverage only covers you when performing in costume as Santa or Mrs. Claus, Elf etc.  No other non-Christmas character, i.e. clown, face painter, Easter bunny, Magician, etc..

  • Spouse or Assistant can be added when purchased at the same time.

  • Injury to yourself or other performers is not covered

  • No charge for any certificates (COI) naming additional insured's

  • Allow ten days to confirm getting coverage. 

   For additional information please visit the FORBS Website: http://www.forbssantas.com 


 

IBRBS - International Brotherhood of Real Bearded Santas - (Formerly FORBS)    

Option #1           $185.00 per Santa  $2 million aggregrate coverage / $1 million per occurance - Assistant $80

Option #2          $210.00 per Santa     $4 million aggregrate coverage / $2 million per occurance -  Assistant $85

  • via Kaercher Campbell & Associates and Philadelphia Insurance Companies.

  • Must be a member of IBRBS.  Dues are $25 a year.   

  • Coverage is October 1, through September 30 next year.  This is your personal total coverage, no sharing with other Santas or entertainers. 

  • $100,000.00 coverage on damages to premises rented by you.  $15,000.00 bodily injury by animal occurance/ $30,000.000 aggregrate

  • If you get an approved background check through Intellicorp (approximately $19.95) and pass, Kaercher Campbell will add, Abuse & Molestation Coverage sublimit  "$100,000 occurrence/$300,000 aggregate per insured IBRBS member"

  • Coverage is for work in the United States only.

  • Coverage only covers you when performing in costume as Santa or Mrs. Claus, Elf etc.  No other non-Christmas character, i.e. clown, face painter, Easter bunny, Magician, etc..

  • Spouse or Assistant can be added when purchased at the same time.

  • Injury to yourself or other performers is not covered

  • No charge for any certificates (COI) naming additional insured's

  • Allow ten days to confirm getting coverage. 

   For additional information please visit the IBRBS Website: http://www.ibrbsantas.org/ 

 

K & K Insurance - Offers policies from $1 million to $5 million per occurance.  Visit their website for all details

$1 million per occurance / $5 million total coverage                   $200 per person          No Dues       

$2 million per occurance/ $5 million total coverage                    $300 per person         No Dues

$3 million per occurance / $5 million total coverage                    $300 per person         No Dues

$4 million per occurance / $5 million total coverage                    $300 per person         No Dues

$5 million per occurance/ $5 million total coverage                    $300 per person         No Dues

      This is year-round insurance for any appearance as any type of character or entertainer.

  • You can buy your insurance on-line: http://www.kandkinsurance.com/Entertainment/Pages/Entertainers-Performers.aspx

  • You can specify the date you wish coverage to start

  • One/five million personal/individual coverage for  $200.00 a year, incomes under $30,000.  This is your personal total coverage, no sharing with other Santas or entertainers.  Larger policies available as shown above.

  • Assistant or Spouse requires a second policy, so the cost is double

  • The rental premises coverage is $300,000

  • $5,000 medical expense or total medical payments 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 action.

  • Coverage is for  United States only.

  • NO Abuse or Molestation coverage

  • No Charge for any certificates (COI) naming additional insured's

  • Injury to yourself or other performers is not covered.

LSS - Lone Star Santas - representing the Santas of Texas

   Option #1           $185.00 per Santa  $2 million aggregrate coverage / $1 million per occurance - Assistant $80

Option #2          $210.00 per Santa     $4 million aggregrate coverage / $2 million per occurance -  Assistant $85

  • via Kaercher Campbell & Associates and Philadelphia Insurance Companies.

  • Must be a member of Lone Star Santas,  Dues are $50 first year members, $20 renewal.  

  • Coverage is October 1, through September 30 next year.  This is your personal total coverage, no sharing with other Santas or entertainers. 

  • $100,000.00 coverage on damages to premises rented by you.  $15,000.00 bodily injury by animal occurance/ $30,000.000 aggregrate

  • If you get an approved background check through Intellicorp (approximately $19.95) and pass, Kaercher Campbell will add, Abuse & Molestation Coverage sublimit  "$100,000 occurrence/$300,000 aggregate per insured IBRBS member"

  • Coverage is for work in the United States only.

  • Coverage only covers you when performing in costume as Santa or Mrs. Claus, Elf etc.  No other non-Christmas character, i.e. clown, face painter, Easter bunny, Magician, etc..

  • Spouse or Assistant can be added when purchased at the same time.

  • Injury to yourself or other performers is not covered

  • No charge for any certificates (COI) naming additional insured's

  • Allow ten days to confirm getting coverage. 

 website: http://www.LoneStarSantas.org

 

NationwideSantas.com         Must join their agency/association ($25) visit their web site for information

 

General Liability Insurance $210.00 Per Year if just a Santa or Mrs. Claus.   $260 a year if you also work as another character, clown, magician, etc.  Indurance from Kaercher Campbell & Associates and OneBeacon
  • $3 million aggregate ($2 million each occurrence) per member
  • $500,000 aggregate ($100,000 each occurrence) per member, Abuse and Molestation Coverage with a current passing background check from Intellicorp.
  • If you are a performer and needing insurance for various types of entertainment other than Santa we offer an additional insurance rider for $50.00 that covers you for the whole year. (clowns, magicians, performers, etc)
  • Assistants $80.00 (Mrs Claus, Elf, etc.)

Nationwide Santas Membership includes:

  • Nationwide Santas Membership Card
  • Nationwide Santas Certificate
  • Nationwide Santas Pen
  • You will be added to our database and notified of job offers
  • You will be added to our Nationwide Santas Membership Private Facebook Group Page
  • You and a guest will be able to attend our Members Only Luncheon In Las Vegas NV

Background Check by IntelliCorp $19.95
All Inclusive/Comprehensive Criminal Background Check (may be higher if you lived in multiple states)
(IntelliCorp Database SUPER Search, Sex Offender Registry, Unlimited Counties Search, Terrorist Search)

 

 

Society Of Santa (SOS)       Must join their association ($30) and have an FBI background check($18)  Insurance is $145.   Visit their web site for more details.

 

Specialty Insurance Agency   US and Canada coverage                      No Dues or Fees

      $155.00 per Santa    $310 per couple -  October 25 to April 25  (Reduced Premium)

      $220.00 per Santa    $440 per couple -  Full Annual Premium  April 25  to April 25.

  • Their link is: http://www.specialtyinsuranceagency.com/about-us.html

  • Coverage is from from April 25 to April 25.

  • Three Million/Five Million Policy

  • This is a Group Policy or Umbrella Policy which means that the total coverage is $5-million for the hundreds of Santas, Clowns and other entertainers who have to share the coverage.  Each incident or claim reduces the total coverage.

  • The rental premises coverage is $300,000.00

  • $5,000.00 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 action.

  • Coverage is for U.S. and Canada

  • NO Abuse or Molestation coverage

  • No Charge for certificates naming additional insured's.

  • Injury to yourself or other performers is not covered.
     

World Clown Association  (WCA) -

      $139.00 per person.  $278.00 per Couple        Plus $30.00 for each COI you request         Dues $40 a year  

  • Must be a member of the Association  Dues are $40 a year.   

  • $30 fee for each COI certificate naming additional insured's.

  • Their link is: http://worldclown.com/?page_id=37 

  • Coverage is from from May 1 to April 30.  This Program is designed for Clowns and Magicians.

  • One Million/Two Million Policy for $139.00 per person.  $278.00 per Couple

  • Assistant or Spouse coverage is also $139 each

  • Coverage is for U.S. and Canada

  • Injury to yourself or other performers is not covered.

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This page was last edited January 26, 2014

 

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