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...bility and property protections so bands and related operators can focus on mu...der reading Legal Challenges Faced by Bands and the Importance of Insurance: Legal Challenges Faced by Bands and the Importance of Insurance. ...

The band and performing group insurance program is designed for a U.S.-based performing band or group who work on an independent contractor basis entertaining at events and performances. Coverages provided include important protection for the performing group for liability claims arising out of the insured’s operations. The following criteria must be met to be eligible for coverage under this program: - All groups must have at least one member or representative who is at least 18 years of age - Annual gross income from the performing group activities cannot exceed $500,000 - No more than 30 members in a performing group Eligible Operations for Band and Performing Group Insurance: - Band Insurance (non-touring) - Mime Insurance - Belly Dancer Insurance - Musician Insurance - Choral Group Insurance - Musical ensemble Insurance - Clown Insurance - Poet Insurance - Comedian Insurance - Puppeteer Insurance - Contortionist Insurance - Singer Insurance - DJ or KJ Insurance - Story Teller Insurance - Impersonator Insurance - Ventriloquist Insurance - Juggler Insurance - Vocalist Insurance - Magician Insurance - Western Performer Insurance *Eligible/Approved Music Genres: - Big band - Jazz - Bluegrass - Oldies - Blues - Pop/soft rock - Classical - R&B - Country - Religious/gospel - Ethnic/world - Swing - Folk Other genres are subject to underwriting approval. Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Products and Completed Operations - Damage to Premises Rented to You - Bodily Injury to Participants - Medical Payments for Participants - Abuse, Molestation, or Exploitation Defense Cost Reimbursement - Sexual Abuse or Sexual Molestation Liability (optional) K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.entertainerinsurance-kk.com – band and performing group Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

...rotect groups of musicians—such as bands, orchestras, choirs, or small ensembl... orchestras and chamber groups Jazz bands and rock bands Choral ensembles and vocal groups Marching bands and school-based ensembles Touri...

...ons. Typical insureds include DJs, bands, clowns, face painters, caricature ar...nal entertainers such as DJs, clowns, bands, face painters, caricature artists...

...t. Coverage for pyrotechnics, live bands, or crowd control issues may require ...

What is Performing Group Insurance? Performing group insurance provides specialized coverage for groups involved in live entertainment, including musicians, dance troupes, theater companies, and other performance-based organizations. This type of insurance is designed to protect against financial losses related to accidents, property damage, or liability claims that may arise during rehearsals, events, or tours. Coverage typically addresses the unique operational hazards faced by performing groups, such as injuries during rehearsals, equipment damage in transit, or audience-related liability exposures. Whether you’re a small band playing local venues or a traveling theater group, this insurance helps manage the unpredictable risks of live performance. Who Needs It This insurance is essential for clubs, associations, nonprofit arts groups, and professional touring ensembles. It is also valuable for event organizers who host performances involving multiple acts or traveling shows. Even smaller operators such as local dance schools or youth theater programs can benefit from this protection. What It Typically Covers Depending on the policy, performing group insurance may include: General liability coverage – protecting against third-party bodily injury or property damage claims Participant accident coverage – covering injuries to performers or crew during events or rehearsals Property coverage – for musical instruments, stage props, costumes, and other performance-related equipment Commercial auto exposure – if company vehicles are used for transporting gear or personnel Event liability – for performances held at rented venues or public spaces For example, if a performer accidentally damages a venue’s lighting system during load-in, the liability portion of the policy could help cover repair costs. Common Exclusions or Limitations Most policies exclude intentional acts, criminal behavior, and damage due to wear and tear. Some policies may not automatically include coverage for high-risk stunts, fire effects, or pyrotechnics unless specifically endorsed. Review underwriting factors and policy exclusions carefully to ensure your unique risks are addressed. Factors That Influence Cost Premiums can vary based on several risk management considerations, including: Size and frequency of performances Number of participants and staff Travel distance and transportation risks Types of venues and audience sizes Value of insured equipment Insurers may also assess your group's safety protocols and prior claims history when determining rates. Proof of Insurance & Compliance Many venues require proof of insurance before allowing performers to rent or use their space. A certificate of insurance serves as official documentation that your group meets insurance requirements. This is especially important for traveling performers or those working with event organizers. How to Get a Quote To get started, gather details about your group’s activities, performance schedule, and equipment. This information will help underwriters develop a policy tailored to your needs. To find a competitive quote that fits your group’s exposure level, request a performing group insurance quote today. For a broader view of options available to businesses and employees, you may also be interested in the Understanding Insurance Options for Businesses and Employees guide. Groups operating in specialized sectors like youth programs can explore related coverage through Understanding Group Health and Life Insurance. Frequently Asked Questions Does performing group insurance cover injury to our performers?Yes, many policies include participant accident coverage that helps with medical costs for performers injured during rehearsals or shows. Are musical instruments and stage gear covered?Property coverage can protect performance-related equipment like instruments, sound systems, and props against theft or damage. Do we need insurance if we only perform a few times a year?Even infrequent performances can involve liability risks. Short-term or event-specific policies may be available for occasional performers. What if we perform in multiple states?Coverage can be structured to apply across state lines, but it’s important to confirm with your provider that your policy covers all relevant locations. Is commercial auto insurance included?If your group uses vehicles for transporting equipment or members, commercial auto coverage can often be added or included in the policy. Still have questions? Talk to a local insurance expert.