Insurance for Entertainment, Media and Events

Providing entertainment insurance requires understanding the unique risks faced by the entertainment industry. The staff at KJE Insurance Services has the knowledge and expertise of the entertainment industry, as well as the challenges that go with it. We know events and productions are exciting to produce, but also unpredictable! KJE Insurance Services helps ensure that your production is a success by protecting you from the unknown.

Contact us while you are planning your next corporate event, marketing product roll out, festival, film or audio production.  When we are part of your planning process, we can help you get the entertainment insurance coverage you need while keeping you on budget.

Some of the productions we cover:

• Corporate Events
• Film & Podcast Productions
• Documentaries
• Concerts and Festivals
• Product Marketing Events
• Live Entertainment
• Event Producers & Promoters
• Music Videos

Every event is different. Is it one-day or ongoing? What is the size of the audience? What insurance coverage does the venue, or your client require?

When we meet with you to learn about your event, we ask questions to determine potential liability issues. Here are frequently asked questions we discuss.

Entertainment Insurance FAQs

Are you an event planner or event promoter coordinating events for associations, corporations, public entities, non-profits, venues and facilities, visitors’ bureaus, sports organizations, or the entertainment industry?

If you are, it is critical to have event insurance to protect your business. Event planners and promoters managing major events need the right event insurance coverage, especially if they serve as general contractors that subcontract vendor services and rent venues.

Did they not provide suitable security? Did they have too many people there? Do your subcontractors and vendor have proper insurance coverage?

Most Municipalities and venues require very specific event and entertainment insurance requirements. We guide you through the process. To learn more, this publication “Insurance Requirements for Permits” from the NYC Mayor’s Office of Media and Entertainment is very helpful.

Why is contract liability coverage important?

Contract liability is among the most important coverages you need if you have a claim for negligence or failure to perform that causes a financial loss or legal issue. If you are under contract with a client, you are hiring contractors, signing contracts with venues, and hosting the event. We review your contract to make sure you have the proper coverage if you have a claim against you.

You need to be careful with some low cost online event policies to avoid taking on liability that the policy won’t cover.

How much coverage do we need for our event?

One mistake we often see is event planners buying inadequate low-cost event insurance without realizing the extent of their potential liability and the limits of the coverage. Event cancellation insurance covers the costs due to adverse incidents that result in a financial loss if their event is canceled, interrupted, postponed or relocated. Power failures, strikes, floods, non-appearance, and other factors beyond an Event Planner’s control can lead to a canceled event. Event liability insurance protects event planners by providing a defense against lawsuits and paying damages for personal injury or property damage to third parties.

Who needs entertainment insurance?

Entertainment insurance provides coverage for a range of music, touring and live event groups within the industry, including event promoters, event planners, venues, touring entertainers, entertainment corporations, and production support services such as consultants, specialists, agents, and managers. New York City venues that host concerts, shows, sporting events and conferences also need entertainment insurance.

What affects the cost of entertainment insurance?

• Premiums are higher for risky projects.
• Demonstrating industry experience in managing projects can reduce costs.
• The higher the value of your equipment, the higher your premiums will be to protect it.
• The number of employees you have impacts the potential for injuries, negligence, or lawsuits.
• If your company has a claims history with few claims, it helps reduce premiums – but a higher number of claims increases premiums.
• The more coverage you need based on the cost of production, the more your insurance will be.
• Loss control measures can help reduce premiums.

Getting the right entertainment insurance coverage in New York can be a complex process depending on the complexity of your production. We have the experience and access to many insurance carriers to make it easier.

Contact KJE Insurance Services so we can learn about your event and recommend the best options to protect your business.