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What does circus acrobatics show with no audience participation insurance cover?
The main protection is liability for covered bodily injury or damage to someone else’s property. It can pay for defending the insured against a covered allegation and for covered settlements or judgments, within the policy terms and limits.
For example, suppose an audience member is hit by a juggling club that flies past the performance ring into the front seats and alleges that the show producer caused the injury. That is the kind of allegation a liability policy may address. The insurer still applies the policy’s exclusions and conditions; the example is not a promise of payment.
For this event, the operating plan should describe these responsibilities:
- Describe acrobatic acts and apparatus.
- Separate the watching audience from performers.
- Schedule rigging, practice and public performance.
This guide uses the following event description: Audience participation is not included. Describe any different arrangements in the application.
What is a typical insurance budget?
This activity needs individual pricing. Budget for the actual program, including any protection needed for participants or specialist activities. A low-cost party policy can leave those exposures uninsured, so its premium is not a useful estimate for this event.
Pricing depends on the routines, apparatus, performers and separation from the audience. Include optional coverage and disclosed fees or taxes in the amount you set aside.
What does it not cover?
If an acrobat falls from a trapeze or aerial silk, since performer injuries may be excluded from event liability, a standard event liability policy is not automatically the answer. That loss may need a separate coverage option or fall within an exclusion.
Equipment insurance and liability insurance solve different problems. Liability may address injury caused to someone else by equipment; it does not automatically replace a stolen speaker or repair a dropped rental. Property coverage needs the equipment description, replacement value and the period it is in your care.
What does a real-world circus acrobatics show with no audience participation policy look like?
This hypothetical policy outline names the show producer (the acrobatic-show organizer in the application) as the insured. Its activity schedule would describe the following responsibilities; the final policy would need to match the arrangements actually made.
- Describe acrobatic acts and apparatus.
- Separate the watching audience from performers.
- Schedule rigging, practice and public performance.
- Named insured: the person or organization responsible for the event or contracted work.
- Example limits: $1 million per occurrence and $2 million aggregate. These are different limits, not $2 million for every claim.
- Dates and location: the actual venue, with setup and removal included where agreed.
- Deductible and optional coverages: as shown in the quote and endorsements.
Suppose the show producer decides to invite audience members onto apparatus after originally describing a show with no participation. Ask the insurer to approve the change before the activity starts. It may need different coverage.
Frequently asked questions
Does the venue’s insurance protect me? Usually you need your own policy for your responsibilities. The venue’s insurance protects its insured interests and does not automatically make the event host, organizer or vendor an insured.
What event details should I include? The information should make the activity clear: act and apparatus descriptions, performer and audience counts, dates, daily attendance, alcohol arrangements and the venue’s insurance requirements.
Request a quote with your event details. Submitting the form does not bind insurance.