Policy Highlights for Entertainment Insurance:
Colonial General Insurance Agency, Inc. offers a specialized Entertainment Insurance program designed for local-level performers and event entertainers. This program is ideal for agents and brokers seeking comprehensive coverage solutions for clients who regularly perform at private parties, fairs, festivals, carnivals, exhibitions, and theater productions. Whether your insured is a DJ, clown, band, face painter, caricature artist, home party entertainer, psychic, theatrical performer, or even a singing or stripping telegram service, this program provides flexible coverage tailored to their unique risks.
Ideal Accounts and Appetite
This program targets small to mid-sized entertainment professionals who operate in community or regional settings. Suitable accounts include:
- Musical performers (bands, solo acts, DJs)
- Children’s entertainers such as clowns and face painters
- Interactive entertainers including caricature artists and psychics
- Theater-based performers and small productions
- Singing or novelty telegram services
This program is not intended for large-scale productions, national touring acts, or amusement rides/rigging operations.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Included Coverages:
- Sexual/Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (higher limits available)
- Medical Payments – $5,000 limit
- Blanket Additional Insured Endorsement
- Excess or Umbrella limits available up to $25,000,000
- No deductible required
Property Coverage Options:
- Basic, Broad, or Special Form
- Coverage available for Building, Contents, Computer Equipment, and Business Income
- Equipment Breakdown and Inland Marine
- Outside Signs and Valuable Papers
- Accounts Receivable and Theatrical Property
- Replacement Cost or Actual Cash Value options
Crime Coverage:
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of markets to provide flexible underwriting approaches. While minimum premiums may vary by risk and coverage type, the program is structured to accommodate a wide range of small entertainment businesses. No deductible is required for liability coverage, and higher abuse limits are available upon request. Underwriting review is required for all submissions to ensure proper risk placement.
Territories and Availability
This program is available through Colonial General in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage may be offered on an admitted or non-admitted basis depending on the specific market and risk characteristics.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche markets like entertainment. Their access to multiple carriers, combined with responsive underwriting and a practical understanding of local-level entertainment exposures, makes them an excellent partner for agents placing hard-to-fit accounts. Whether you're helping a client who performs magic shows at kids’ parties or a small band touring local venues, Colonial General can help you find the right protection for their operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for local entertainers such as DJs, clowns, bands, face painters, caricature artists, and small theater performers.
Is this coverage available on an admitted basis?
Some markets within the program offer admitted coverage, while others may be placed on a non-admitted basis depending on the risk and state.
Are higher abuse limits available?
Yes, higher limits for sexual/physical abuse coverage are available upon request and subject to underwriting approval.
What states is this program offered in?
The Entertainment Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you require a deductible for liability coverage?
No, liability coverage under this program does not require a deductible.
Need help placing an account? Connect with a market specialist.