Performers Public Liability FAQs

When completing the quote form, please enter your own personal details (title, first name, surname) as the main policyholder. These details are required for contact and administration purposes.

At the bottom of the same page, you’ll find an “Interested Parties” box. Here you can enter a group name, stage name, or trading name — for example: t/a ABC Band.

Your policy will then be issued showing your personal name followed by the details entered in the Interested Parties box. This ensures the policy correctly displays both your legal name and your performance or group name.

Performers' public liability insurance protects you if a member of the public is injured or their property is damaged during your performance or activities. This includes shows, rehearsals, set-up and pack-down periods. It covers legal defence costs, compensation, and medical expenses resulting from third-party claims.

Annual premiums start from £81.44 for £1 million public liability cover. The final premium depends on your performance type, cover level, and any optional additions such as employers' liability. You will see the full price before purchase when completing your quote online.

Public liability insurance covers injury or property damage to third parties caused by your performance activities. Examples include a member of the audience tripping over your equipment, or damage to a venue's floor or fixtures during your act. Our policies start at £1 million cover, with options to £2 million or £5 million, depending on the venue or organiser’s requirements.

Anyone who performs in public or at organised events should consider public liability insurance. This includes musicians, dancers, DJs, street performers, actors, circus artists, magicians, comedians, and children’s entertainers. Many venues and event organisers will require proof of cover before allowing you to perform.

No, public liability insurance is not a legal requirement for performers. However, it is often contractually required by venues, councils, and event organisers. It also offers essential financial protection in the event of a claim.

Our policies cover a wide range of live and interactive performances, including music, dance, theatre, circus, fire performance, spoken word, children’s entertainment, and more. If you have a specialist act, contact us to confirm suitability.

Yes, we can cover fire performances, pyrotechnics, or specialist acts that include props, rigging, or stunts — subject to safety controls and insurer acceptance. Additional questions may be asked as part of the application process.

Your policy will cover you for performances at multiple UK locations during the insured period. There is no need to declare each venue in advance, provided your activities remain within the agreed description of your performance type.

Our performers' public liability policy does not automatically include cover for equipment. However, we can offer separate cover for portable instruments, sound systems, and props against theft, loss, or accidental damage. Let us know if you’d like a quote for equipment insurance.

Yes. You can take out the policy in your legal name, trading name, performance group name, or registered company name. This ensures it matches the name used in contracts or with event organisers.

Yes. You can add venues, local authorities, or event organisers as interested parties on your policy documents. This confirms that your insurance is in place and protects their interests.

Yes. If you employ assistants, crew members, or support staff, you may be legally required to hold employers’ liability insurance. We can provide this alongside your public liability cover. Just let us know during the application process.

You’ll receive your policy documents and certificate of insurance instantly by email once payment is completed. This can be used as proof of cover when submitting to organisers or venues.

Standard performers’ public liability policies provide cover for activities within the UK. If you need protection for performances in Europe or further afield, please contact us, as we may be able to arrange extended territorial cover depending on your performance type and destination.

Yes. Your cover includes rehearsals, warm-ups, sound checks, set-up and pack-down, as long as these activities relate to your insured performance. Many incidents occur before or after the main show, so this is an important part of your protection.

Yes. If you run teaching workshops, masterclasses, or interactive sessions connected to your performance type, these are usually covered under the same policy, provided the activities fall within your declared business description. For higher-risk workshops, we may ask a few extra questions to make sure everything is properly covered.

Yes. Many policies include cover for livestreams, online shows, virtual workshops, and remote teaching where you are performing or instructing from the UK. Claims can still arise from your activities or advice, so it is important that virtual work is included within your cover.

Public liability insurance covers you if your equipment or props cause injury or damage to someone else’s property, but it does not insure the items themselves. If you need cover for loss, theft, or accidental damage to your instruments, sound equipment, costumes, or props, we can arrange separate equipment insurance.

Yes. Children’s entertainers such as magicians, party hosts, balloon artists, character performers, and activity leaders can be covered, provided appropriate supervision and safety measures are in place. Some higher-risk activities may require additional underwriting information.

Yes. Your policy can cover performances at private houses, theatres, pubs, clubs, festivals, corporate events, schools, community halls, and organised outdoor events. You do not usually need to list each venue individually as long as your activities remain within your declared performance type.

Most performers select between £1 million and £5 million of public liability cover. Smaller venues may accept £1 million, while local authorities and larger events often ask for £5 million or more. You can choose the limit that best suits your work and the requirements of the venues you perform at.

You can arrange cover online in just a few minutes. Once you’ve completed the quote and paid, your documents are emailed to you immediately so you can send proof of insurance to venues or organisers straight away.

Yes. If you accidentally damage flooring, fixtures, staging, or other property at a venue during your performance or related activities, this can be covered under the public liability section of the policy, subject to the terms and conditions.

Public liability insurance does not cover cancellation fees, loss of earnings, or non-refundable venue costs. It is designed to protect you against injury and property damage claims. If you need event cancellation cover, please contact us to discuss possible options.

Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority (FCA number 919070). All policies meet UK regulatory standards and are underwritten by authorised insurers.

Yes. If you cancel your policy before the end of the term and no claims have been made, we will provide a pro-rata refund for the unused portion of your cover.

No. Our performers’ liability policies are offered on an annual basis and must be paid in full at the time of purchase. This helps keep premiums affordable with no hidden fees or interest.