https://completemarkets.com/company/colonialgeneral/Entertainment-Insurance-/
Policy Highlights for Entertainment Insurance:
Colonial General Insurance Agency, Inc. offers a focused Entertainment Insurance program for local and regional performers and event entertainers. The program is designed for agents and brokers looking to place clients who regularly perform at private parties, community fairs, festivals, carnivals, exhibitions, and small theater productions. Typical insureds include DJs, bands, clowns, face painters, caricature artists, magicians, psychic entertainers, home party performers, theatrical casts, and novelty services such as singing or stripping telegrams. Coverage is flexible and can be tailored to the specific exposures of these small- to mid-sized entertainment operations.
Ideal Accounts and Appetite
This program targets community and regional entertainers and production teams rather than large touring acts or major theatrical productions. Typical accounts that fit the appetite include:
Musical performers (bands, solo acts, DJs)
Children’s entertainers (clowns, face painters, balloon artists)
Interactive artists (caricature artists, psychics, magicians)
Small theater companies and local productions
Singing or novelty telegram services and themed party entertainers
This program is not intended for large-scale productions, national touring acts, venues with professional rigging/amusement rides, or operations that require specialized excess-placement for complex theatrical stunts or large crowd management.
Coverage Highlights and Advantages
Commercial General Liability (CGL):
Primary limits available up to $3,000,000 Occurrence / Aggregate
Included coverages:
Sexual/Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (higher limits available on request)
Medical Payments – $5,000
Blanket Additional Insured endorsement (useful for venues and event hosts)
Excess / Umbrella capacity up to $25,000,000 through partner carriers
No liability deductible required
Property and Business Property Options:
Basic, Broad, or Special Form wording available
Coverage for Building, Contents, Computer Equipment, and Business Income
Equipment Breakdown and Inland Marine for portable gear
Outside Signs, Valuable Papers, Accounts Receivable, and Theatrical Property options
Replacement Cost or Actual Cash Value valuations
Crime and Miscellaneous Coverages:
Inside-the-Premises theft of money and securities
Inside-the-Premises robbery or safe burglary of other property
Outside-the-Premises coverage for money and property in transit
Underwriting Notes and Minimum Premiums
Colonial General leverages multiple markets to accommodate a variety of underwriting approaches. Underwriting review is required for all submissions to ensure proper placement and rating. While minimum premiums vary by carrier and risk profile, the program is structured to be accessible to small entertainment businesses. Liability coverage typically carries no deductible, and higher abuse/assault limits can be requested and considered by underwriting.
Territories and Availability
This Entertainment Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the carrier and the insured’s profile, coverage may be written on an admitted or non-admitted basis.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General offers targeted expertise in niche commercial exposures such as local entertainment. The MGA provides access to multiple admitted and E&S carriers, experienced underwriting that understands performance-based risks, and flexible policy forms for property, liability, and crime exposures. Colonial General is positioned to help agents place hard-to-fit or small-scale entertainment accounts quickly and efficiently.
Example Accounts That Fit This Program
You may have a client who runs a two-person acoustic band performing at weddings and local festivals — they need GL, equipment inland marine, and optional abuse coverage for performers working with children.
An agency could place a children’s party entertainer who travels to private homes with face-painting supplies and portable props — the program supports property coverage for supplies and medical payments for minor injuries.
Frequently Asked Questions
What types of accounts are a good fit for this program?Local and regional entertainers such as DJs, clowns, bands, face painters, caricature artists, and small theater productions are a good fit.
Is coverage available on an admitted basis?Some markets within the program offer admitted placements; others may be non-admitted depending on the state and risk characteristics.
Can you get higher abuse limits?Yes. Higher limits for sexual/physical abuse coverage are available upon request and are subject to underwriting approval.
Which states do you write in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you require a deductible for liability?No. Liability coverage under this Entertainment program typically does not require a deductible.
Need help placing an account? Connect with a market specialist.