Insurance for Performers, Artists, and Musicians
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Save Money
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Instant Cover
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What is Performers insurance?
Performers insurance is the range of cover options designed for musicians, dancers, comedians, and other professional entertainers. It helps protect entertainment businesses and sole traders protect against financial liabilities while performing at events or shows. It can also cover your props, instruments, and other equipment you use to run your business.
Public Liability (included in our Business Insurance Packages) offers entertainers with broad cover against legal claims that can result when performing in public, at events, or in customer homes.
Compare policy options with competitive rates with BizCover.
Why do performers need insurance?
Creative artists and performers often work in third-party locations where they may be exposed to injury and property damage claims. Whether you’re rehearsing in a studio, performing in shows, or entertaining at an outdoor festival, Public Liability insurance can help protect your business. Many venues require entertainers to have Public Liability cover before they can begin to work.
Performers and entertainers may also need insurance to protect their equipment and supplies and cover lost income if you are injured and unable to work.
| Work in specific venues, at festivals, and in public spaces. |
| Replace lost income if you’re unable to work due to injury. |
| Replace damaged or stolen equipment. |
| Pay legal liabilities and compensation if a claim is made against you. |
Performers and activities we cover
Our insurance solutions cover a wide range of performers and entertainment activities.
Actors and Theatre Performers
Artists, Cartoonists and Caricaturists
Bands, Musicians and Singers
Dancers
Public Speakers, Marriage Celebrants and MCs
Buskers and Street Performers
Comedians and Magicians
Trivia Hosts and Bingo Callers
Solo Entertainers
Don’t see your occupation? Start a quote online or speak to a specialist for personalised options.
What types of insurance do performers and entertainers need?
We offer a range of cover options designed to protect your business finances, equipment, and income. Create an insurance package that suits your business needs and buy in minutes.
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does performer and entertainment insurance cost?
Business insurance for performers and entertainers costs $49 per month*.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Customised cover that matches your business needs
Select different cover amounts for each policy, including Public Liability up to $20 million and Personal Accident & Illness weekly benefits up to $4,000.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
Select different cover amounts for each policy, including Public Liability up to $20 million and Personal Accident & Illness weekly benefits up to $4,000.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
5 easy steps to get instant cover online today
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5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Other Performers, Artists, and Musicians Have Saved By Purchasing a Policy Through BizCover
Jessica
Bookkeeper from
VIC
Saved
$400
on
Professional Indemnity insurance
Brooke
Bookkeeper from
QLD
Saved
$200
on
Professional Indemnity insurance
Lisa
Bookkeeper from
VIC
Saved
$300
on
Professional Indemnity insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
BizCover has insurance options for a wide range of performers and entertainers, including:
• Actors
• Astrologers
• Bingo Callers
• Bubble Blowing
• Burlesque Artists
• Caricaturists
• Cartoonists
• Choirs
• Comedians
• Dancers
• DJs
• Impersonators
• Jugglers
• Magicians
• Marriage Celebrants
• MCs
• Models
• Musicians
• Public Speakers
• Singers
• Storytellers
• Theatre Performers
• Trivia Hosts
• TV Presenters
• And many more!
While not required by law, performers may be required to have a Public Liability policy to work in most venues or to perform on council or private property.
Yes, you will likely need your own insurance even if the venue you are performing in is insured. Generally speaking, venue owners will only cover their own risk exposers, not those of third parties, such as performers, entertainers, and contractors.
Yes, you may need a Public Liability policy for your business if you conduct music, singing, dance, or other lessons from your home. Home insurance policies that include Public Liability cover often exclude incidents related to business activities
Many business insurance policies can cover you and your business when teaching in a student’s home. Your policy wording will outline where you are and are not covered.
Making a claim with BizCover is quick and easy. Performers and entertainers can make a claim online 24/7, whenever they need. Our team will manage the claim on your behalf with the insurance partner.
Hear from our customers
Processing and efficiency make it easy and a simple process to get the cover you need.
I Brebner
So easy to renew, all done in simple email.
Leanne P
So easy and simple thank you
Matilda K
Nice and easy thank you
Sally S
Real-life customer reviews verified by Feefo