Entertainment insurance

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Business insurance for the entertainment industry.

Whether you run a DJ business or an event planner business, you’ll need entertainment insurance to protect your company. Entertainment insurance from Provide starts with event cancellation insurance, so that you’re protected from liability if events can’t happen and your clients suffer losses. You’ll also want to cover yourself against staff injuries and Covid-19 infections, public liability, and property under custody damage. 

 

It’s quick, tailored, and affordable cover with Provide.

What types of insurance do entertainment companies need?

Cover

Explanation

Importance for retailers

Commercial property insurance

Covers:

          Store premises

          Inventory

          Equipment

          All other store contents

          Plate glass (e.g. shop windows)

Critical

Public liability insurance

Covers liability if customers get injured in your store.

Covers liability if you damage other people’s property (e.g. during renovations/repair work).

Critical

Work injury compensation insurance

Covers work-related injuries/sickness, including Covid-19 infections.

Critical

Fidelity guarantee insurance

Covers employee’s stealing money from you.

Good to have

Cyber liability insurance

Covers hacker attacks, liability from PDPA/data breaches, corrupted systems, and more.

Critical for online retail stores/ e-commerce businesses

Event cancellation insurance

event cancellation insurance

 

If your events get cancelled, you could be left to deal with significant costs from suppliers or partners, who still need to be paid for the work they’ve done. Event cancellation insurance will pay you a lump sum if your event cannot be held due to unforeseen circumstances (e.g. weather, fire, etc.).

Property under custody insurance

third party property insurance

Property under custody insurance will protect whatever property that you have been entrusted with. This could be sound systems, stages, tentage structures, etc. that belong to someone else, but have been loaned/contracted out to you for your event. If such third-party property gets damaged, you’ll be held liable for repair or replacement costs. Property under custody insurance will pay for such damage.

Public liability insurance

public liability insurance

Public liability insurance will protect you from liability for injuries/property damage to third-parties. This is important, because if event attendees get injured, they can hold event planners liable for their medical expenses, and can file a civil lawsuit against you. If your event ends up damaging surrounding property (e.g. damaging walls while setting up tentage or stages, causing electrical faults via the sound system), then you will also be held liable. Public liability insurance will pay for lawyer’s fees if you get sued for third-party injury/property damage, and will pay for damages awarded by the courts.

Work injury compensation insurance

work injury compensation insurance

Entertainment industry workers can suffer industries while setting up, or hosting, events. Your staff could suffer falls. Tentage structures could fall onto workers. Your staff might also contract Covid-19, given the close proximity they’ll potentially have with event attendees, or with business partners when settuping up the event. Work injury injury will pay for the medical expenses of injured/sick staff, their lost wages while on medical leave, and for lawyer’s fees if you get sued for causing their injury/sickness.

Money insurance

money insurance

If you collect cash payments from your event attendees, there is a real risk that this money goes missing or could potentially be stolen. Money insurance will pay for lost/stolen money, protecting you from suffering losses. 

Fidelity guarantee insurance
fidelity guarantee insurance

If you collect cash payments from event attendees, it’s best to combine money insurance and fidelity guarantee insurance. Fidelity guarantee insurance will protect you from employees stealing from your business.

How much does entertainment insurance cost?

Cover

Coverage amount (example)

Typical premium

Explanation

Importance for entertainment businesses

Public liability insurance

$100,000

From $100/year

Covers:

          Store premises

          Inventory

          Equipment

          All other store contents

          Plate glass (e.g. shop windows)

Critical

Property under custody insurance

$100,000

From $100/year

Covers liability if customers get injured in your store.

Covers liability if you damage other people’s property (e.g. during renovations/repair work).

Critical

Work injury compensation insurance

 

$10 million annual limit (market standard, required by Singapore law)

Sales assistant/cashier: $10/month, per worker

Office-based roles: $5/month, per worker

 

Covers work-related injuries/sickness, including Covid-19 infections.

Critical

Money insurance

$5,000

From $100/year

Covers employee’s stealing money from you.

Good to have

 

Why use Provide for entertainment insurance?

– Save up to 25% on your entertainment insurance premiums 
– Compare quotes from multiple insurers
– Industry experts to provide tailored advice
– Available by phone 7 days/week 

Entertainment insurance by business type

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