Are you one of those creative people who would rather starve than be caught working a nine-to-five desk job? One who is bursting with imagination and needs an outlet for ideas? One who wants to, or already does, work in the entertainment industry, whether it is the business of filmmaking or producing Broadway shows? If so, you need to consider purchasing entertainment insurance.
Entertainment insurance can be compared to the workplace insurance available to standard, nine-to-five jobs. Entertainment insurance can cover liability issues, as well as damages to or theft of the equipment you, your staff, and your cast use for your entertainment performances. Entertainment insurance can act as worker’s compensation should you, your staff, or your cast become injured on the job, and entertainment insurance can even help cover the cost of production if the injury or illness of you, your staff, or your cast delays further production for a certain amount of time.
You can also purchase additional entertainment insurance that goes beyond just covering you, your staff, and your cast, as well as your equipment and production costs. You can purchase entertainment insurance to cover the cost of injuries and/or damages to audience members and/or their belongings caused by your performance, as well.
Most entertainment insurance policies last only for a specific amount of time, and that amount of time is usually the beginning, the during, and sometimes the ending of your performance. When you purchase entertainment insurance, you need to let your insurance agent know how long the entertainment policy must last. If you fail to do this, your entertainment insurance policy may run out before it’s time, and if an accident occurs, you’re stuck with no entertainment insurance.
Yes, there are many differences between the world of entertainment employment and the world of nine-to-five jobs; however, protecting your workplace, your employees, yourself, and your customers by purchasing insurance is definitely not one of those differences.
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