Balloon Artist / Twister Insurance
Coverage built for balloon artists and twisters — including the choking and latex-allergy exposures unique to the craft.
What this coverage is intended to address
- ✓Third-party bodily injury allegations, including choking incidents or a latex allergy tied to a balloon
- ✓Property damage to a venue or client property that may occur during a booking
- ✓Pumps, balloon inventory, and display stands when scheduled on the policy as inland marine
- ✓Additional-insured status for a venue, mall, or event host when they require it
Coverage products commonly considered
Most balloon artist / twister operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A small child puts a piece of a popped balloon in their mouth and a guardian alleges a choking incident. A general liability policy is generally intended to respond to bodily-injury allegations of this nature in the event of a covered claim.
- A guest reports a latex reaction after handling a balloon figure. Coverage for allegations of this type depends on policy form and any product-related exclusions.
Frequently asked questions
How does latex allergy factor into balloon-artist coverage?
An allegation that a latex balloon triggered a reaction is a bodily-injury claim, which general liability is generally intended to address in the event of a covered claim. Some artists offer latex-free options to reduce the likelihood of a dispute, but the policy form ultimately governs what is addressed.
Do malls and festivals require balloon twisters to be insured?
Many shopping centers and festival organizers ask vendors and entertainers to carry general liability and to name them as additional insured before a date is confirmed. Requirements vary by venue, so ask what limits they expect.
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