What does performers & entertainers insurance cover?
Performers insurance has been designed to protect entertainers performing at one-off events and includes the vital cover that can help to avoid costly claims.
This cover is ideal for those performing at short term events and can be adapted for a wide range of events from with a maximum event duration of 14 days. You will find public liability cover included as well as equipment cover and essential extras, such as event cancellation, can be added only if necessary, helping you get the best price.
Make sure you have the correct insurance for your event activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Event Cancellation
Employers’ Liability
Event Money
Event Equipment
Public Liability
- Up to £10 million of cover
- Protection from claims filed by a third-party (i.e. member of the public) who sustains injuries during the event or has their property damaged as a result of your negligence.
Event Equipment
- £2,500 worth of equipment cover included, with the option to increase up to £50,000
- Protecting simple or specialist equipment whether it be tables and chairs at a fair or more specialist audio equipment for concerts
- Protection from theft, provided reasonable precautions are taken
- Equipment in transit to and from the event
- Replacements or repairs to the value of cover selected
Event Money
- £2,500 worth of event money cover included, with the option to increase up to £50,000
- Provides cover for the physical loss of money at the event venue or whilst in direct transit between the venue and a bank
Event Cancellation
- Cancellation, postponement or interruption of the event for various unforeseen circumstances beyond your control.
- Protection from significant losses such as the non-recoverable expenses associated with an event cancellation.
- Not available within 14 days of the event.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
- Subcontractors for the event, they should have their own liability cover.
- Cancellation, abandonment and postponement is not available when the event is taking place within the next 14 days.
- Money left unattended unless in a locked safe.
- Financial failure and lack of support for the event.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need performers & entertainers cover?
Insurance for performers from Protectivity provides essential protection, covering potential claims and losses. You can focus on delivering a memorable performance knowing that essential protection is in place without the worry of severe financial repercussions. These are some examples of why you need performers and entertainers insurance:
Protection against claims from public injury.
Whatever the nature of your event, there are risks that an attendee could sustain an injury from a temporary structure or have their car damaged by a piece of equipment, holding you and your event responsible.
Ensure you have public liability to protect you against these incidents such as slip-and-fall accidents, injuries caused by equipment or structures, damage to belongings caused by the event and other situations.
You are forced to cancel, abandon or postpone your entertainment
Performing at an event carries the possibility of having it cancelled from circumstances beyond your control.
Cancellation insurance could protect you against financial losses associated with non-refundable deposits, venue fees, and other expenses that may arise when events cannot proceed as planned.
Your performance venue requires public liability.
A venue you hire may expect proof of public liability to hold an event, as a minimum, before you take part as a performer.
Your event equipment gets accidentally damaged
During single events, equipment is more likely moved around and subsequently damaged for a variety of different reasons.
Having appropriate equipment insurance can ensure you can claim if any equipment you’ve hired, leased, loaned, or own yourself needs to be repaired or replaced.
Our experts explain why...
“Securing performers insurance is necessary investment when planning for unforeseen risks. Whether you’re taking part in a community fair or festival, unexpected incidents can jeopardise your financial well-being. Performers & Entertainers insurance provides a safety net, covering liabilities, cancellations, or property damage, offering peace of mind and allowing you to focus on creating memorable experiences rather than worrying about potential setbacks.”
Chris Trotman, Protectivity Underwriting Manager

How much does performers & entertainers insurance cost?
Performers and entertainers insurance will vary in price depending on the length and scale of your operation at an event and any additional extras you might need. For example, if you have specialist equipment you may need to pay a higher premium to ensure the correct value is covered.
At Protectivity, policies start at just £25.99* for a single-day performers insurance policy.
Prices from
£25.99*
Explainer Quote
Policy cost
£25.99*
Policy type
Performer
Event duration
1 day
Event type
Party
Number of attendees
Up to 50
Public Liability
£1,000,000
Money cover
£2,500
Event equipment
£2,500
This example is based on a real quote from our website on 01/01/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your insurance for performers and entertainers policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.
Proof of our excellent customer service.


Experienced Claims Handling
A smooth and efficient claims process.

UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Performers Insurance
Are there any restrictions on where I can perform?
The event you are attending must be within the United Kingdom and must have suitable entertainment licencing (if applicable) to allow the event to take place. You are also not permitted to operate any pyrotechnical devices or projectile equipment, such as but not limited to foam cannons.
Does equipment cover on this insurance, provide cover for my equipment should be become damaged due to electronic or mechanical failure?
No, this policy excludes claims to claims within your equipment cover for damage to equipment caused by electrical or mechanical failure.
Does this insurance cover me to attend more than one event?
No, our Performers insurance is only designed to provide you cover for one event lasting no longer than 14 consecutive days.
Is entertainer equipment covered?
Yes, our Performers and Entertainers Insurance policy will protect your equipment during an event and whilst in transit to and from an event. We include equipment cover from £2500 and up to £50,000 from damage, loss and theft.
Does Performers and Entertainers Insurance cover event organisers?
No, this policy is designed to cover individual entertainers performing at an event. It is not designed to cover the organisers of an event against claims.
If you are an event organiser, take a look at our Event Insurance product which can cover you for one-off events or multiple events throughout the year.
How many days can I be protected as a performer?
Our single event Performers Insurance policy will protect you for up to 14 consecutive days at one event.
One-Off Event Organiser Insurance
Can you cover my event outside of the UK?
We are only able to provide cover for events taking place within the United Kingdom.
I am not a UK resident, can you still cover my event?
Our policy is designed to cover events organised by UK based individuals and organisations. Therefore, if you are not based in the UK, we are unable to offer cover.
What level of Public Liability do I need for my event?
We cannot recommend which level of cover you need for your event, but if you are hiring a space from a Local Authority or another third party we advise you to check with them whether they require a minimum level of Public Liability.
How close to my event should I purchase my insurance?
You should take out your One Off Event Insurance policy as early as you can. By purchasing your cover at the earliest opportunity, you are giving yourself the maximum protection against cancellation. If you require cancellation cover, you need to give at least 14 days notice to purchase this cover, you will be unable to buy cancellation cover within 14 days before the start of the event.
Do I need to take out Employers’ Liability for volunteers?
If you have anyone working for you, whether they are paid or otherwise, you legally must take out Employers’ Liability. The only exception is if those staff are bona fide sub-contractors with their own Public Liability of at least £2 million.
What constitutes ‘Adverse Weather’?
For your policy’s Cancellation cover to come into effect under the Adverse Weather clause we require either a health and safety official or appropriate emergency authority to certify that it is dangerous or reckless to hold the event. We may require you to provide photographic evidence and Met Office records in the event of a claim under this benefit.
My event takes place next week, can you still cover it?
Yes we can offer cover for an event even in the week it is happening. Please note that for any events taking place within fourteen days, there will be no Cancellation Cover.
Can you cover an event that has a fireworks display?
Yes, if you’re planning to have a firework display we can consider providing you cover for this event. There are two event types available, these are fireworks and bonfire displays provided by yourselves (the insured) and those displays provided by professional third party pyrotechnical companies, whom have their own insurance to provide fireworks and/or bonfire displays. Please make sure to apply for the correct one depending on which on applies to your event.
Can you protect against adverse weather?
Yes, we can consider cover for non appearance of key person(s). This may need to be considered by ourselves prior to giving a definitive answer and a quotation but you can opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension within this cover.
Does the policy cover those with stalls or exhibiting at my event?
Any independent stallholder, exhibitor or tradesman that works, sells or exhibits at your event should hold their own Public Liability Insurance. Our Multi Event Insurance policy is designed to cover you as the event organiser for your Liability.
If you have your own stall at events, then take a look at our Stallholder Insurance policy.
Can you protect against non-appearance?
Yes, we can consider cover for non appearance of key person(s). Opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension. Cover will be considered on a case by case basis.
Are there any activity types that you are not able to cover?
Yes, we have a list of ‘Hazardous Activities‘ that we are unable to cover on this policy.
If there will be any third parties exhibiting or trading at your event who will be engaging in any of these events, they must have their own Public Liability insurance in place.
What is included under ‘Event Equipment Cover’?
We can cover equipment you use for your event excluding motor vehicles, money, perishable goods and paintings, whilst they are in use at the event and in transit to and from the event only.
What is the maximum length of time my event can last?
If you are the event organiser then we can provide cover for events lasting up to 30 days in duration. If you will be attending as a stallholder, we can provide protection for a single event that lasts up to 14 days.
Will I need Employers’ Liability Insurance?
If you have any volunteers or paid staff at your event then you will need Employers’ Liability as a legal requirement. We would expect all sub-contractors to have their own insurance.
Will One-Off Event Insurance cover me for hiring out a venue?
Yes, our One-Off Event Insurance is suitable if you have been asked to purchase public liability insurance by the owners of a venue or local authority. Public Liability considers claims for third party property damage, so the venue you have hired for your event, as long as it’s not your property, can be considered as third-party property.
Multi-Event Organiser Insurance
Can you provide Cancellation Cover on this policy?
No, unfortunately, we are not able to offer Cancellation Cover on our Multi Event Insurance policy. If you are organising an event in which you need to take out protection against cancellation, take a look at our One Off Event Insurance policy.
How many events in a year can be covered?
We can provide cover for up to 52 events in one calendar year, depending on the cover selected. You can choose how many events you need protection for during the quote process.
What is the maximum length of time my events can last?
On our Multi Event Insurance policy, we can only cover events up to eight days in duration, including set-up and set-down.
What is event insurance?
Event insurance protects event organisers from a range of mishaps in several specific areas. It normally includes general liability cover like Public Liability and Employers’ Liability and more specific protection against a range of potential complications that could negatively impact an event such as cancellation or equipment cover.
Can you cover my event outside of the UK?
We are only able to provide cover for events taking place within the United Kingdom.
Does public liability insurance cover the actions of my employees?
If an employee accidentally caused an injury to or damaged the property of a member of the public attending your event, with the individual seeking to make a claim against your business as a result, then you would be covered by your public liability insurance included in this policy.
However, public liability insurance does not cover you in the event of an employee making a claim against you, as this would fall under Employers’ Liability insurance, which is an optional extra.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website on 01/01/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for selected policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data