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Entertainment Insurance

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Spotlight on: Music, Sports and Entertainment Insurance

Rock on with comprehensive coverage.

In the entertainment industry, the unexpected can happen in a split second. From equipment malfunctions to unforeseen accidents to legal claims, the risks are as diverse as the industry itself.

Securing the right insurance coverage is a crucial step toward protecting your business, employees and assets. But, with so many unique risks and a variety of insurance options, how can you ensure you’re adequately covered?

That’s where Higginbotham’s team of insurance and risk management specialists comes in with products tailored to the music, sports and entertainment industry.

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Who needs entertainment insurance?

The entertainment industry encompasses a wide range of businesses, from film and television productions to sports events. Each sector has its own unique set of risks that necessitate specialized entertainment insurance coverage. But, with coverage options ranging from production insurance for film projects and commercials to equipment insurance for musicians and artists, the insurance options are vast.

Higginbotham’s seasoned entertainment insurance brokers know the subtleties of the industry and the diverse risks that you face. This knowledge helps us simplify the commercial insurance process as we work alongside you to choose the coverages that align with your business and that maximize your value.

Flawless productions are never guaranteed, but having the right insurance can help the show go on.

From pandemics and hurricanes to venue fires and stage collapses, recent events prove that any entertainment production can be subject to cancellation. As a result, quality insurance is becoming increasingly difficult to obtain.

Higginbotham is one of a select group of insurance brokers with access to multiple entertainment industry insurance carriers. That means better entertainment insurance coverage for you.

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Entertainment Professionals We Serve

We hire the best and the brightest minds in the business so you know you’re dealing with a knowledgeable industry professional. Our entertainment risk specialists help protect a range of productions, companies and operations, including, but not limited to:

Lighting, Sound, Video and Staging Companies

Santa Claus and Seasonal Performers

Booking Agencies and Talent Managers

Broadway and Theatrical Stage Productions

Record Labels and Music Video Productions

Clowns, Balloon Artists and Face Painters

Food and Beverage Concessionaires

Animated Productions

Television/Short-Term Film Productions

Entertainers and Performers

 D.I.C.E. Film Productions

Event Planners and Promoters

Photographers and Videographers

Live Event Security

Movies and Feature Film Productions

Musicians, Bands and DJs

Concerts and Tours

Production Companies

Special Events in 200+ Categories

Performance and Concert Venues

Film Production Insurance

The world of film is filled with unique challenges that range from equipment malfunctions to on-set accidents. Film production insurance, including video production insurance, is designed to address these concerns by offering coverage for feature films, TV shows, photographers, videographers and more.

Whether you’re a seasoned film producer or just beginning your creative career, the appropriate insurance coverage is crucial to safeguarding your investment, your crew and your project.

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Production Liability Insurance

Production liability insurance is essential for any film production, as it offers protection against legal claims related to accidents, injuries or property damage that may arise during the course of a film project. Production liability insurance can provide protection from risks like property damage lawsuits and slip and fall incidents, allowing you to devote your energy to realizing your creative vision.

Short-Term and Annual Production Insurance

Short-term production insurance and annual production insurance are two unique entertainment coverages that are created with producers in mind. Short-term production insurance covers a single production and is designed for producers who work on one project at a time. For producers working on a few different projects simultaneously, annual production insurance can help cover all of their productions that occur within a year.

Film Crew/Cast Insurance

Film crew and cast insurance can help with extra production costs and cover prior financial commitments if a cast or crew member suddenly becomes unavailable to work due to an illness, injury or death.

Film Equipment Insurance

Film equipment insurance is designed to protect the valuable equipment used in film production. This coverage offers protection from the damage and theft of equipment, along with third-party property damage. This form of film production insurance can cover a range of equipment, including cameras, lighting, sound equipment and props, and offer valuable financial protection to filmmakers and production managers. And, if you rent equipment like honey wagon trailers or mobile dressing rooms, adding on miscellaneous equipment insurance to your film equipment policy can help cover these essential assets.

Prop, Wardrobe and Set Insurance

This entertainment coverage can help cover the cost of lost, damaged or stolen props, wardrobe items and sets. It can also cover cameras, lighting and sound equipment, grip equipment, mechanical effects equipment, portable generators and other critical assets used in production.

Faulty Stock, Camera and Processing

If your film footage is damaged or destroyed by your equipment or during the post-production process, this specialty film insurance coverage can help cover the additional cost of recovering, re-shooting or re-editing it. It can also help if you accidentally erase footage or inadvertently shoot with a foggy or dirty lens.

Animal Mortality Protection

Animals used in film shoots are typically specially trained and considered to be highly valuable. Should an animal end up injured or killed on your set, animal mortality insurance can help with the costs of the medical treatment or replacement.

Third Party Property Damage

There’s always a risk of causing property damage when shooting a film or producing a video. If a third party owns this property, TPPD coverage can help with the cost of repairing or replacing it. This insurance can be tailored to cover property ranging from cast living quarters to buildings on set and more. It doesn’t apply to damage caused by a motor vehicle, aircraft or watercraft operation. In addition, it typically won’t cover property already covered under a miscellaneous equipment policy, such as cameras, props and lighting equipment.

Extra Expense Insurance

Extra expense coverage can help with non-ordinary expenses incurred when production is interrupted. Like business interruption insurance, this protection can fund your operation throughout the repair, replacement or recovery period following a covered loss.

Automobile Physical Damage

It’s not uncommon for a production company to lease or borrow a rare or expensive automobile for use in a shoot. From exotic cars to classic autos and more, this insurance can help cover the costs of repairing or replacing these valuable assets if they end up lost, damaged or destroyed.

The Higginbotham Difference: Coverage Options On Site

With bold advocacy and genuine accountability, we use our access to multiple entertainment industry insurance carriers to provide customized coverage for your specific needs.

Our approach to finding solutions is more individual and less institutional. By understanding your priorities, we can get you covered on day one and provide year-round value with our Day Two Services® that support your risk management efforts 365 days of the year.

With a commitment to transparency and authenticity, we’re a place that leads with values so value leads.

To learn more about how our values-based approach creates value for you and your business, click here.

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Insurance for Entertainers and Performers

Entertainers and performers face unique risks in their line of work, and tailored insurance programs and policies are essential to address these challenges. Music, concert and liability insurance are just a few examples of the coverage options that can help protect individuals, groups and even animals.

Music Insurance

Music insurance is specifically designed to address the needs of musicians and musical groups. Generally, it offers protection against damage, theft and loss of musical instruments and equipment, along with liability coverage for accidents or injuries sustained during performances. In some cases, venues may require that performers possess insurance coverage for their protection. With the right coverage in place, musicians can focus on their craft, knowing that their valuable instruments are protected and their liabilities are reduced.

Concert or Tour Insurance

Concert or tour insurance provides coverage for live performances and touring artists. It can supply protection for bands, musicians, impersonators and other traveling performers, and often includes additional coverage for venues, tour buses and employees. While the specifics will vary, this insurance can help mitigate risks associated with concerts and tours, such as event cancellation, equipment theft or damage, liability claims, tour bus accidents and breach of contract.

Performer Liability Insurance

Entertainer liability insurance is designed to cover potential accidents, injuries and property damage that may arise during performances or other entertainment activities. This type of insurance provides vital liability protection for independent performers, helping to shield themselves from potential liabilities that can arise in the entertainment industry.

Live Event Insurance

From music festivals to sports games, live events are filled with excitement – and potential risks. Event insurance can help to protect your event from unforeseen circumstances and potential liabilities.

So, if there’s an unexpected downpour at an outdoor concert or a spectator suddenly becomes injured at a baseball game, event insurance can help cover the financial implications of such unforeseen circumstances. Ultimately, event insurance allows you to focus on what you do best – delivering an unforgettable experience for your audience.

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Sports Insurance

Sports insurance is a specialized form of insurance coverage designed to address the unique risks associated with sports events and individual athletes. From accidents and injuries to property damage and legal claims, sports insurance helps to protect athletes, teams and fans.

Music Festival Insurance

Music festivals are a celebration of creativity, community and fun. However, they also come with a unique set of risks and responsibilities. Music festival insurance can provide coverage to protect your festival or related event from accidents, injuries, property damage and other potential risks.

Coverage for Other Live Events

Countless other live events, from trade shows to theatrical productions, require tailored event insurance solutions. No matter the occasion, Higginbotham can help you secure the right coverage to help protect your event and its participants.

Event Cancellation Insurance

Event cancellation insurance helps to cover the financial losses that could occur if an event has to be cancelled, postponed, relocated or abandoned due to unforeseen circumstances, such as a natural disaster or the sudden illness of a key performer. Event cancellation insurance helps to ensure that the show can go on or, if it can’t, that you’re not left bearing the full financial burden.

Civil Authority and Commotion

Also known as “riot insurance,” civil authority and commotion is a common coverage included in many entertainment insurance policies. Designed to cover the costs of property damage caused by demonstrations, protests or other gatherings gone awry, civil authority and commotion coverage can help mitigate financial risks related to fire, looting, vandalism, rioting and more.

Ready for an insurance crew who works as hard as yours does?

Navigating the diverse risks and broad exposures involved with working in the entertainment industry can leave you wandering. Fortunately, with Higginbotham on your crew, we’ll guide the way. Our deep entertainment industry experience and strong insurance carrier relationships enable us to get things done that others can’t.

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Entertainment Risk Management Strategies

The entertainment industry is filled with unique risks and challenges, with potential hazards ranging from accidents and legal claims to equipment damage and theft. When these risks are paired with financial exposures like cash flow volatility and reputational damage, the entertainment industry can become a very risky business.

At Higginbotham, we understand these intricacies and offer a range of risk management strategies to help our clients identify, prevent and minimize risks.

But we don’t stop there.

As a brokerage with the freedom to do what’s right for our clients, we supplement your coverage with our loss control, contract review, certificate management and claims advocacy services, so you get added value and year-round support.

Entertainment Insurance Coverages

In addition to specialized coverages, there are several common commercial insurance coverages that businesses in the entertainment industry should consider. Each of these business insurance and policies can address different aspects of your business, allowing for a protection plan that’s suited to your specific needs.

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Workers’ Compensation

Commonly abbreviated as workers’ comp, this coverage can help with the costs of an employee injury on the job. From medical bills to lost wages, a work-related injury or illness can be costly. Rather than risk facing a lawsuit, it’s wise to consider adding workers’ compensation to your entertainment insurance coverage.

Commercial Auto Insurance

A commercial auto policy can help protect you from the risks of operating a vehicle for business purposes. Whether your entertainment business owns commercial vehicles or uses vehicles owned by another party as part of your operation, commercial auto insurance can significantly limit your out-of-pocket costs in the aftermath of an employee- or owner-involved accident.

Cyber Liability Insurance

In today’s digital age, cyber liability insurance is an essential component of any business’s insurance coverage. This form of coverage offers protection against damages and expenses incurred due to a data breach, malware or spear phishing attack, cyber extortion, ransomware and other kinds of cyberattacks.

Commercial Umbrella Insurance

Commercial umbrella insurance can help bridge the gap between your standard coverage limits and your real-world liabilities. From expensive camera equipment to rare props and intricate sets, umbrella insurance can provide invaluable peace of mind in the unpredictable world of entertainment.

General Liability Insurance

Commercial general liability coverage can help with financial losses resulting from claims of bodily injury, property damage, personal injury, libel, slander or advertising injury to others caused by your business or the entertainers you employ. Exposures come from many sources, including accidents, employment-related lawsuits and copyright infringement. General liability insurance can cover the cost of defending or settling these claims, even if they are fraudulent.

Professional Liability Insurance

Also known as professional liability insurance, errors and omissions (E&O) insurance is designed around the risks associated with consulting or rendering professional advice. If you or your entertainment business acts in a consultative capacity or supervises the work of subcontractors, E&O can help mitigate financial damages resulting from errors, omissions or negligence.

Money and Securities Crime Package

Typically split into outside and inside coverage categories, money and securities insurance can help reimburse you in the event of robbery or theft. While it does not cover employee theft or theft by an owner or company principal, money and securities insurance can help replace your money and currency if it’s stolen and the policyholder experiences loss or damage as a result.

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When Your Insurance Broker is Your Partner

With Higginbotham, you get more than an entertainment insurance broker – you get a partner who understands your industry, aligns with your values and is dedicated to your success. That’s why we offer personalized insurance solutions and value-adding Day Two Services® to our clients.

With Higginbotham as your partner, you can focus on the success of your entertainment business.

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