Liability Insurance In Magic Shows Is An Asset
Below is a MRR and PLR article in category Arts Entertainment -> subcategory Other.
Liability Insurance: A Crucial Asset for Magicians
Overview
In the United States, where litigation is commonplace, performers, especially magicians, need to protect themselves. Liability insurance is not just a recommendation?"it's essential.Why Liability Insurance is Essential
In a society where anyone can face lawsuits, having liability insurance is crucial for those performing in public shows, particularly magic acts. This protection is akin to owning a fire extinguisher?"better to have it and not need it than to need it and not have it.Coverage Details
Many entertainers opt for coverage with a $1 million liability from reputable providers like the Farmers Insurance Group. This level of insurance offers peace of mind, ensuring restful nights and worry-free performances.Society of American Magicians
The Society of American Magicians provides this type of insurance. If you're getting insurance, ensure it includes a product clause. This is important if, for instance, your act involves balloons or birds?"protecting you if an audience member is harmed by your props.Important Considerations
1. Costume Requirement: Note that performing outside your costume might invalidate coverage.2. Transferring Liability: If a child wants a prop, hand it to the parent to transfer liability. Witnesses should be present to confirm this action.
3. Maintaining Distance: Clowns and performers are advised to avoid physical contact with children, limiting interactions to handshakes.
Precautionary Announcements
Before a show, inform the audience about any props you might distribute. For example, warn that balloons are not safe for children’s mouths to prevent accidents and liabilities.Example of Coverage
One performer has a $1 million liability policy with an additional $500,000 for product liability. This covers the performer and their employees, but not independent contractors hired separately. If external hires are necessary, request additional coverage from the insurance company.Off-Premises Coverage
Ensure your policy includes a rider for off-premise work?"whether at a client’s house, office, or another location. This should be a standard option and is crucial for comprehensive protection.In summary, securing liability insurance is not just a smart choice for magicians?"it's a necessary one. With the right coverage, performers can focus on captivating their audiences without fear of unforeseen legal issues.
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