What is Stunts?
Stunts coverage is a specialized type of liability insurance designed to protect individuals and organizations involved in performing or coordinating stunts. This coverage is essential for events, productions, or businesses where physical feats—such as high falls, fire work, or stunt driving—pose enhanced injury or property damage risks. It helps manage exposures related to bodily injury or property damage resulting from stunt activities.
Who needs it
This type of insurance is typically sought by film and television production companies, live event organizers, entertainment venues, and professional stunt performers. It may also be required by associations or clubs that coordinate high-risk demonstrations or exhibitions involving physical stunts. Even manufacturers or operators of specialty stunt equipment may need coverage for operational hazards and liability exposures.
What it typically covers
Stunts insurance generally includes:
- General liability coverage for injuries to participants, spectators, or crew
- Property damage resulting from stunt execution or equipment failure
- Participant accident coverage for those directly involved in the activity
- Equipment coverage for loss or damage to stunt gear and props
For example, if a fire stunt malfunctions and causes damage to the venue, stunts insurance may help cover the associated repair costs and third-party claims.
Common exclusions or limitations
While this coverage is broad, there are often exclusions. Common exclusions may include:
- Intentional acts or gross negligence
- Unapproved or unpermitted stunts
- Equipment not maintained to safety standards
- Activities exceeding the scope of underwriting approval
Coverage may also be limited for aerial stunts or high-speed vehicle sequences unless specifically underwritten.
Factors that influence cost
Several underwriting factors affect the cost of stunts insurance, including:
- The type and complexity of stunts being performed
- Number of participants and spectators
- Location and safety precautions in place
- Previous loss history and operator experience
Risk management considerations—like having certified stunt coordinators and proper rehearsals—can influence both eligibility and premium levels.
Proof of insurance & compliance
Clients, venues, or governing bodies may require a certificate of insurance (COI) before allowing stunts to proceed. This document shows proof of active coverage and may need to list additional insureds such as event hosts or production companies. Requirements may vary depending on state regulations and the nature of the event.
How to get a quote
Getting stunts insurance begins with an application that outlines the type of performance, safety measures, and any past claims. It's important to provide as much detail as possible, including any permits, risk assessments, and the experience level of those involved. Work with an insurer who understands the unique exposures of performance-based liabilities.
Get a quote for stunts insurance to protect your team, audience, and production investment.
Frequently Asked Questions
What types of stunts are typically covered?
Coverage may include fire stunts, falls, fight choreography, stunt driving, and other physical feats—depending on underwriting approval.
Is stunts coverage different from general event insurance?
Yes, stunts coverage is more specialized and addresses higher-risk activities that are often excluded from standard event liability policies.
Can I get coverage for just one event or production?
Yes, short-term or one-time policies are available for specific events, though longer-term coverage options also exist for recurring activities.
Do I need special coverage for stunt vehicles or pyrotechnics?
Yes, high-risk elements like stunt vehicles or explosives typically require additional underwriting and may involve separate endorsements.
What documentation is needed to apply?
You'll likely need a stunt plan, safety protocols, participant waivers, and details about the venue and personnel qualifications.
Still have questions? Talk to a local insurance expert.