Clown Insurance
Coverage built for clowns and children's party performers — focused on the real risks of working a crowded venue.
What this coverage is intended to address
- ✓Third-party bodily injury to guests that may arise during a performance — for example, a child tripping over a prop
- ✓Property damage to the venue or a client's home that may occur while you set up, perform, or pack out
- ✓Costumes, props, and performance gear when scheduled on the policy as inland marine
- ✓Certificate of insurance naming a venue, school, or event host as additional insured when they require it
Coverage products commonly considered
Most clown 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 child runs into a freestanding prop during a birthday show and is injured. The general liability policy is generally intended to respond in the event of a covered claim.
- A balloon-and-bubble routine leaves a stain on a banquet hall carpet and the venue invoices for cleaning. Coverage for property damage of this nature depends on policy form and exclusions.
Frequently asked questions
Why do venues ask clowns for a certificate of insurance?
Many event halls, schools, and municipalities require performers to carry general liability and to name the venue as additional insured before they will confirm a booking. The certificate documents that coverage is in force; it does not itself change what the policy covers.
Are my costumes and props insured?
Costumes, makeup kits, and props are typically treated as business equipment. They may be addressed under inland marine when scheduled on the policy. Mobile gear is often excluded under a general liability form alone, so review the terms before relying on it.
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