Costume Character Public Liability Insurance for Mascots, Walkabout Performers, Parties, Promotions and Events

Specialist Public Liability Insurance for Costume Characters, Mascots and Event Performers

Costume character performers can work at children's parties, family events, festivals, shopping centres, sports venues, corporate functions and promotional events, often interacting directly with customers and members of the public.

Insurance requirements can depend on the characters performed, audience interaction, children's entertainment, venues, employees, costumes, props, equipment and any additional services provided. Quote Monkey can introduce suitable enquiries to a specialist broker.

Request a Specialist Costume Character Insurance Quote

Costume Characters, Mascot Performers, Children's Parties, Events and Promotions

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Costume Characters, Mascots, Children's Entertainers, Parties and Meet and Greets

Costume character businesses can range from individual self-employed entertainers to agencies managing several performers and simultaneous bookings.

Costume Character Performers

Costume character businesses can range from individual self-employed entertainers to agencies managing several performers and simultaneous bookings. Appearances may take place at children's parties, family celebrations, organised events, commercial venues and promotional activities.

Children's Character Entertainers

Children's parties are a major part of the market. Performers may attend birthday parties, family celebrations, children's events, community activities, school events, and other organised family entertainment. Public Liability is particularly relevant where performers interact directly with children, parents, guests and venue users.

Party Character Performers

Character appearances may involve meet and greets, photographs, character entrances, guest interaction, and suitable declared entertainment.

Mascot Performers

Professional mascot performers may work for businesses, sports organisations, retailers, venues, event organisers, charities, and entertainment companies. The costume may belong to the performer, entertainment business, customer or another organisation.

Professional Mascots

Some performers work regularly as professional mascots rather than providing occasional character appearances. Their work may involve repeated appearances at different venues and events.

Meet and Greet Characters

Meet-and-greet performers may provide scheduled appearances where customers can meet the character and pose for photographs. Even relatively simple appearances can involve frequent direct interaction with members of the public.

Photo Opportunities

Character businesses commonly provide opportunities for children, families, customers, event visitors, and other guests to pose with the performer.

Audience Interaction

Performers may greet guests, pose for photographs, move through crowds and provide simple interactive entertainment. Where the business provides additional activities, these should be separately declared.

Family Entertainment

Some appearances are designed for mixed audiences of children and adults. This can include family events, community celebrations and public entertainment.

Private Parties

Performers may attend parties at customer homes, hired halls, hotels, restaurants, party venues, and other suitable locations.

Character Teams

Some bookings involve several costume characters appearing together.

Multi-Performer Businesses

Larger entertainment businesses may coordinate several performers across different bookings. They may have performers, assistants, booking staff, administrators, and other workers.

Character Assistants

Assistants may help with performer movement, costume preparation, customer queues, photographs, props, and practical arrangements.

Freelance Performers

Entertainment businesses may engage freelance character performers for particular bookings.

Self-Employed Performers

Independent performers may manage their own bookings, equipment, costumes, marketing, customer communication and transport.

Additional Entertainment

A character business may also offer other entertainment. Keep materially different activities such as face painting, balloon modelling, magic, circus skills, inflatables, bouncy castles, and specialist performances separately declared.

Walkabout Performers, Festivals, Retail Events, Sports Mascots, Promotions and Venues

Walkabout performers move through an event or venue rather than remaining within one fixed performance area.

Walkabout Character Performers

Walkabout performers move through an event or venue rather than remaining within one fixed performance area. This can involve regular interaction with customers, visitors and other members of the public.

Festivals

Costume characters may appear at festivals providing walkabout entertainment, scheduled appearances, meet and greets, photographs, and suitable promotional activity.

Fairs and Community Events

Performers may work at fairs, community celebrations, family fun days, local events, and public gatherings.

Shopping Centres

Shopping centres may book character performers for family events, seasonal entertainment and promotional campaigns. Walkabout activity can involve interaction with customers throughout public areas.

Retail Stores

Retailers may use character performers for store openings, special events, family promotions, seasonal campaigns, and customer entertainment.

Promotional Characters

Businesses may book performers for product launches, marketing campaigns, brand activations, store openings, and promotional events.

Brand Mascots

Performers may represent a company's established mascot or promotional character. Insurance does not provide intellectual-property rights or permission to use a particular character, logo or brand.

Corporate Mascots

Corporate appearances may include conferences, exhibitions, trade shows, company events, promotional campaigns, and staff celebrations.

Sports Mascots

Mascot performers may appear at matches, tournaments, supporter events, club events, community programmes, and sports promotions.

Exhibitions and Trade Shows

Character performers may attract visitors, provide photo opportunities or support promotional activity at exhibitions.

Hospitality Venues

Hotels, restaurants and other hospitality venues may book characters for organised family events or special promotions.

Schools

Suitable character appearances may take place at schools or educational events.

Corporate Premises

Performers may attend workplaces and company premises for promotional events or celebrations.

Outdoor Events

Character appearances may also take place at suitable outdoor events.

Hired Venues

The entertainment business may work at venues hired by the customer or event organiser.

Event Organiser Boundary

Keep a clear distinction between providing a costume character at somebody else's event. and organising the complete event. Where the business is responsible for ticketing, venues, other performers, contractors, and audience areas. or wider event arrangements, those additional responsibilities should be declared.

Third-Party Property

Performers may work inside premises owned or controlled by customers, venues and event organisers. Allegations involving accidental damage to third-party property can therefore be relevant to Public Liability.

Professional mascot performer providing walkabout entertainment for families at an organised public event

Specialist Public Liability Insurance for Costume Characters and Mascot Performers

Whether you provide children's party appearances, mascot entertainment, walkabout characters, sports mascots, retail promotions or multi-performer event services, insurance can depend on exactly what the business does. Tell us about your characters, audiences, venues, performers, employees, costumes, props, equipment and any additional entertainment activities you provide.

Request a Specialist Costume Character Insurance Quote

Mobile Character Businesses, Home Working, Online Bookings, Social Media and Digital Services

Many costume character performers have no permanent public entertainment premises.

Mobile Costume Character Businesses

Many costume character performers have no permanent public entertainment premises. Instead, they travel between customer and event locations.

Customer Homes

Children's entertainers may travel directly to customers' homes for birthday parties and family celebrations.

Party Venues

Performers may attend dedicated party venues booked by the customer.

Hired Halls

Village halls, community centres and other hired spaces can be common locations for children's parties and community events.

Hotels and Restaurants

Character appearances may form part of organised family entertainment at hospitality venues.

Multiple Locations

A professional performer may attend many different locations in a typical month. This makes mobile working a core part of the business rather than an occasional extension.

Working From Home

Many performers run the administrative side of their business from home. Activities may include bookings, accounts, marketing, customer enquiries, event planning, performer scheduling, and costume administration.

Home Office

A home office may contain computers, booking records and other administrative equipment.

Home Studio

Home Studio Insurance is only relevant where a genuine dedicated studio is used for professional photography, video production, content creation, rehearsal or another genuine studio activity.

Garden Studio

A genuine garden studio may be used for administration, content creation, costume preparation or other business purposes.

Offices

Larger entertainment businesses may operate from dedicated office premises.

Commercial Units

A commercial unit may combine administration with costume and equipment storage.

Websites

Professional character businesses may use websites to display character options, appearance packages, photographs, videos, availability, and booking information.

Online Enquiries

Customers may enquire about availability and packages through the website.

Online Bookings

Some businesses may operate online booking systems.

Online Payments

Customers may pay deposits, booking fees and final balances electronically.

Social Media

Social media can be central to photographs, videos, marketing, customer enquiries, event promotion, and generating bookings.

Digital Advertising

Character businesses may use search advertising and social media advertising to attract customers.

Customer Information

Booking systems may contain customer names, contact details, event addresses, dates, times and payment information.

Cyber Insurance

Cyber Insurance may be relevant where the business depends on websites, email, customer records, booking systems, online payments and other digital services.

Multi-Performer Booking Systems

Larger businesses may use digital systems to coordinate several performers and bookings.

Costumes, Mascot Suits, Props, Sound Equipment, Merchandise and Business Equipment

A successful character business may own many complete costumes used across different types of bookings.

Professional Costume Collections

A successful character business may own many complete costumes used across different types of bookings. The total replacement value can therefore become significant.

Mascot Suits

Professional mascot suits may include character heads, body sections, gloves, footwear, and other costume components.

Costume Heads

Large mascot or character heads can represent a significant part of the value of a costume.

Costume Accessories

Costume collections may also include suitable accessories associated with the character appearance.

Costume Cleaning

Performers may clean and prepare their own costumes between appearances.

Costume Maintenance

Businesses may undertake routine maintenance and minor repairs to their own costumes.

Commercial Costume Repairs

Where the business repairs or restores costumes belonging to other people or businesses, this is an additional commercial activity and should be declared.

Hired Costumes

Some performers may use costumes hired from third parties. Responsibility for hired property should be accurately represented.

Costume Hire

A business that hires costumes to customers without providing a performer has an additional commercial activity that should be declared.

Props

Character appearances may involve suitable props connected with the performance. Materially different equipment should be separately declared.

Backdrops

Portable backdrops may be used for photographs or event displays.

Display Equipment

Businesses may own signage, display stands, portable decorations, and other suitable event property.

Sound Equipment

Some performers may use portable speakers and microphones, and other suitable sound equipment.

Transport Cases

Specialist cases and bags may be used to protect costumes, mascot heads and equipment while travelling.

Business Technology

Business property may also include computers, tablets, phones, cameras, and other technology.

Merchandise

Some established character businesses may sell suitable branded clothing, souvenirs, and promotional merchandise. or other physical products.

Ecommerce

Where merchandise is genuinely sold online, sales may take place through the business website, suitable marketplaces or social media.

Business Stock

Physical merchandise held for sale may create a Business Stock exposure.

Own-Brand Products

Own-brand physical merchandise should be declared.

Imported Products

Where merchandise is imported for UK resale, this can affect Product Liability considerations.

Product Liability Insurance

Product Liability may be relevant where the business manufactures, imports, supplies, sells or own-brands physical products.

Manufacturing Boundary

Commercial manufacture of costumes, mascot suits, props or merchandise for third parties is a wider business activity.

Business Contents, Costume Storage, Self Storage, Vehicles and Goods in Transit

Business Contents may be relevant for declared costumes, mascot heads, props, backdrops, sound equipment, signage, transport cases, computers, cameras, and other business property.

Business Contents Insurance

Business Contents may be relevant for declared costumes, mascot heads, props, backdrops, sound equipment, signage, transport cases, computers, cameras, and other business property.

Costume Values

An established entertainment business may own many complete costumes. The combined replacement value should reflect the actual business property.

Home Storage

Solo performers may store costumes and equipment at home.

Garage Storage

Garages may contain costumes, mascot heads, props, backdrops and other business property.

Outbuilding Storage

Suitable secure outbuildings may provide additional storage.

Commercial Unit Storage

Larger businesses may keep extensive costume collections at a commercial unit.

External Storage

Additional storage may be needed away from the main operating base.

Self Storage

Self storage may be relevant for costumes, mascot heads, props, backdrops, sound equipment, transport cases, merchandise, and other suitable business property. Where suitable business goods or merchandise are stored in self storage, also use Business Goods and Stock in Self Storage. https://www.quotemonkey.co.uk/business-goods-and-stock-in-self-storage

Multiple Storage Locations

A larger business may divide property between home, garages, outbuildings, commercial premises, vehicles and self storage.

Goods in Transit Insurance

Goods in Transit may be relevant where declared costumes and equipment regularly move between storage locations and bookings.

Event-to-Event Transport

Performers may travel directly between several bookings with business property in the vehicle.

Cars

Solo performers may use cars to transport costumes and smaller equipment collections.

Vans

Larger businesses may use vans for several costumes, props and event equipment.

Hired Vehicles

Businesses may occasionally hire suitable vehicles for particular bookings or events.

Motor Insurance Boundary

Business property insurance and Goods in Transit do not replace appropriate motor insurance for the vehicle itself.

Unattended Vehicles

Security conditions, overnight restrictions and other policy terms may apply.

Equipment at Venues

Some business property may temporarily remain at a venue between performances. The location and responsibility for the property should be accurately represented.

Costume character business storage with mascot costumes props transport cases sound equipment and backdrops

Public Liability, Employers' Liability, Product Liability, Cyber, Commercial Property and Business Interruption

Public Liability is the central insurance consideration for this page.

Public Liability Insurance for Costume Character Performers

Public Liability is the central insurance consideration for this page. Costume character businesses can interact directly with children, families, customers, event visitors and other members of the public across many different venues.

Children's Parties

Children's parties can involve close interaction between performers, children, parents and other guests.

Meet and Greets

Meet-and-greet appearances may involve repeated customer interaction and photographs throughout a booking.

Walkabout Entertainment

Walkabout performers may move through busy public spaces containing customers, visitors and other venue users.

Shopping Centres

Character performers may interact with large numbers of customers during shopping-centre appearances.

Retail Events

Store openings and promotional appearances may involve customers gathering around the performer.

Festivals and Fairs

Public events can involve large numbers of visitors and third parties.

Sports Venues

Mascots may interact with supporters, visitors, staff and event personnel.

Corporate Events

Character performers may work within offices, conference venues, exhibition centres and other commercial premises.

Customer Homes

Mobile entertainers may work inside customers' homes and interact with guests and household property.

Third-Party Property

A customer, venue or event organiser could allege accidental damage to property arising from the declared entertainment activities. Whether cover applies depends on the circumstances and policy terms.

Employers' Liability Insurance

Employers' Liability may be relevant where the business employs performers, assistants, booking staff, and administrators. or other workers.

Freelance Performers

The actual working arrangement matters.

Product Liability Insurance

Product Liability may be relevant where physical products are manufactured, imported, supplied, sold or own-branded.

Professional Indemnity Insurance

Professional Indemnity is not central to an ordinary costume-character appearance. It may become relevant where the business separately provides paid professional training, consultancy, instruction or specialist advice.

Cyber Insurance

Cyber Insurance may be relevant where the business relies on websites, booking systems, email, customer records or electronic payments.

Commercial Property Insurance

Commercial Property may be relevant where the business owns or has responsibility for offices, commercial units, and studios. or other business premises.

Business Interruption Insurance

Business Interruption may be relevant where insured damage to important premises or insured business property materially disrupts bookings and commercial operations.

Combined Businesses

Some entertainment businesses combine character appearances, other performers, events, merchandise, and costume hire. or additional entertainment services. The insurance arrangement should reflect the complete business rather than only the character-performance element.

Specialist Public Liability Insurance for Costume Characters and Mascot Performers

From children's party characters and walkabout entertainers to sports mascots, shopping-centre appearances, corporate promotions and multi-performer character businesses, insurance can depend on exactly how the entertainment service operates. Tell us about your characters, audiences, venues, employees, performers, costumes, props, equipment, transport, storage and any additional entertainment activities you provide.

Request a Specialist Costume Character Insurance Quote

Frequently Asked Questions

What is Costume Character Public Liability Insurance?▼

Costume Character Public Liability Insurance is commercial insurance for businesses providing declared character, mascot and related entertainment services. Public Liability can be particularly relevant where performers interact with children, families, customers, event visitors and other third parties.

Can a self-employed costume character performer get insurance?▼

Self-employed performers can describe the characters, venues, audiences, equipment and other activities they provide so a specialist broker can consider suitable insurance options.

Can mascot performers get Public Liability Insurance?▼

Professional mascot performers may be considered where their activities, venues, customer interaction and wider business operation are accurately declared.

Can children's character entertainers get insurance?▼

Businesses providing character appearances at children's parties and family events may be considered, subject to the activities, venues and other business details declared.

Can party character performers get insurance?▼

Yes. Party character businesses may be considered where the appearances, audience interaction, venues and additional entertainment activities are accurately described.

Can birthday party character performers get insurance?▼

Professional birthday party character performers can have Public Liability and other business insurance considerations depending on the services they provide.

Can meet and greet character performers get insurance?▼

Meet-and-greet appearances may form part of a declared costume-character business where the nature of the customer interaction is accurately represented.

Can walkabout performers get insurance?▼

Walkabout character performers may be considered where the venues, audiences, event environments and activities are declared.

Can costume characters work at festivals?▼

Yes. Character performers may provide declared walkabout entertainment, meet and greets, photographs or promotional appearances at festivals.

Can costume characters work at fairs and community events?▼

Professional performers may attend fairs, family events, community celebrations and similar organised events where those activities form part of the declared business.

Can costume characters work in shopping centres?▼

Shopping centres may book character performers for family events, seasonal entertainment and promotions.

Can costume characters work inside retail stores?▼

Retailers may use characters for store openings, promotions, seasonal events and other customer-facing activities.

Can costume characters work at sports venues?▼

Mascots may appear at matches, tournaments, supporter events and other sports-related activities. Mascot performance should remain distinct from participating in the sport itself.

Can sports mascots get Public Liability Insurance?▼

Professional sports mascot performers may be considered where the character work, venues, audiences and wider business are declared.

Can promotional characters get insurance?▼

Promotional performers may be considered where they provide declared character appearances for product launches, campaigns, retail events or brand activations.

Can brand mascots get insurance?▼

Businesses using performers as brand mascots may be considered where the commercial activity is accurately described.

Does insurance give permission to use a copyrighted character?▼

No. Insurance does not provide intellectual-property rights, licensing permission or authorisation to use a character, brand or logo.

Can corporate mascots get insurance?▼

Corporate mascot appearances may form part of a declared entertainment business at conferences, exhibitions, company events and promotional activities.

Can costume characters work at exhibitions and trade shows?▼

Yes. Character performers may provide promotional appearances or visitor entertainment at exhibitions and trade shows where these activities are declared.

Can costume characters work at hotels and restaurants?▼

Hotels, restaurants and other hospitality venues may book suitable character entertainment for organised events or promotions.

Can costume character performers work at schools?▼

Suitable character appearances may be provided at schools or educational events where the activity remains entertainment rather than a broader professional teaching service.

Can costume character performers work at customer homes?▼

Yes. Mobile children's entertainers may travel directly to customers' homes for parties and family events.

Can costume character performers work at hired halls?▼

Village halls, community centres and other hired venues can form part of a mobile character entertainment business.

Can a costume character business operate from several locations?▼

Yes. Mobile character businesses may work across customer homes, halls, hotels, shopping centres, sports venues, corporate premises, festivals and other event locations.

Can a costume character business organise events?▼

Some businesses provide only the performer, while others take responsibility for the wider event. If the business organises venues, ticketing, contractors or other performers, those responsibilities should be separately declared.

Can a costume character business employ several performers?▼

Yes. Larger character businesses may employ or engage multiple performers, assistants, booking staff and administrators.

Can a costume character business use freelance performers?▼

Freelance character performers may form part of the business. Their actual working arrangements should be accurately represented rather than automatically treating them as employees.

Can costume character assistants be included?▼

Assistants may help with costume preparation, performer movement, customer queues, photographs and other practical arrangements.

Can costume character businesses offer face painting?▼

Some businesses may offer face painting alongside character appearances, but it should be separately declared rather than assumed to be included automatically.

Can costume character businesses offer balloon modelling?▼

Balloon modelling is an additional activity and should be separately declared where it forms part of the business.

Can costume character businesses offer magic?▼

Magic is a materially different entertainment activity and should be declared separately.

Are bouncy castles automatically included?▼

No. Inflatables and bouncy castles are materially different activities and should not be assumed to be automatically included.

Are circus skills automatically included?▼

No. Circus-related activities should be separately declared where they form part of the business.

Can a costume character business be run from home?▼

Yes. Many performers manage bookings, accounts, marketing and administration from home.

Can Working From Home Insurance be relevant?▼

Working From Home Insurance may be relevant to the home-based administrative side of a costume-character business, depending on the operation and cover required.

Can a costume character business use a home studio?▼

A home studio may be relevant where the business genuinely uses a dedicated space for photography, video production, content creation, rehearsal or another studio activity.

Can a costume character business use a garden studio?▼

A suitable garden studio may be used for administration, content creation or costume preparation where this genuinely forms part of the business.

Can a character business use a commercial unit?▼

Larger businesses may use commercial units for costume storage, equipment, administration and preparing performers for events.

Can a costume character business use an office?▼

Multi-performer businesses may operate from dedicated offices for bookings, administration and staff management.

Can costume character businesses take bookings online?▼

Yes. Websites and online booking systems may be used to receive enquiries, manage availability and take bookings.

Can customers pay online?▼

Businesses may collect deposits, booking fees and final payments electronically.

Can costume character businesses use social media?▼

Social media may be used for promotional photographs, videos, event marketing, customer enquiries and generating bookings.

Can Cyber Insurance be relevant?▼

Cyber Insurance may be relevant where the business relies on websites, booking systems, email, customer records and electronic payments.

Can Website and Online Business Insurance be relevant?▼

It may be relevant where the business relies substantially on websites and online services, subject to the cover available and the activities declared.

Can professional character costumes be insured?▼

Business-owned costumes may form part of declared Business Contents, subject to the insurance arrangement, values, storage locations and policy terms.

Can mascot suits be insured?▼

Mascot suits, heads, gloves, footwear and other business-owned components may form part of declared business property.

Can several costumes be insured?▼

An established entertainment business may own a substantial costume collection. The declared property values should reflect the actual business-owned costumes.

Can hired costumes be included?▼

Where the business is responsible for hired costumes, that arrangement should be declared so suitable insurance options can be considered.

Can a costume business hire costumes to customers?▼

Costume hire without a performer is an additional commercial activity and should be separately declared.

Can costume cleaning be included?▼

Cleaning the business's own costumes may form part of normal operations. Commercial cleaning services for customer property should be separately declared.

Can costume repairs be included?▼

Minor maintenance and repairs to the business's own costumes may form part of normal operations. Commercial repair or restoration services for customers should be separately declared.

Can props be insured?▼

Business-owned props used in declared character appearances may form part of Business Contents, subject to the policy terms.

Can backdrops be insured?▼

Portable backdrops and display equipment may form part of declared business property.

Can portable sound equipment be insured?▼

Portable speakers, microphones and other suitable sound equipment may form part of declared Business Contents.

Can transport cases be insured?▼

Specialist cases and bags used for costumes and equipment may form part of declared business property.

Can business computers and cameras be insured?▼

Computers, phones, tablets, cameras and other suitable business technology may form part of declared Business Contents.

Can costume character businesses sell merchandise?▼

Some established character businesses may sell branded clothing, souvenirs or promotional merchandise alongside their entertainment services.

Can merchandise be sold online?▼

Physical products may be sold through the business website, marketplaces or social media where ecommerce genuinely forms part of the business.

Can own-brand products be sold?▼

Own-brand physical products should be declared because they can create additional Product Liability considerations.

Can imported merchandise be sold?▼

Where products are imported for resale, the importing activity should be declared.

Can Product Liability Insurance be relevant?▼

Product Liability may be relevant where the business manufactures, imports, supplies, sells or own-brands physical products.

Does repairing costumes make the business a manufacturer?▼

Not necessarily. Routine repair and maintenance of the business's own costumes does not automatically make it a costume manufacturer.

What if the business manufactures costumes for other people?▼

Commercial manufacture of costumes, mascot suits or props for third parties is a wider business activity and should be separately declared.

Can costumes be stored at home?▼

Solo performers may keep declared business costumes and equipment at home, subject to the insurance arrangement and policy terms.

Can costumes be stored in a garage?▼

Suitable business property may be stored in a declared garage, subject to the cover and applicable security conditions.

Can costumes be stored in an outbuilding?▼

Suitable secure outbuildings may be used for declared costume and equipment storage.

Can costumes be stored in a commercial unit?▼

Larger entertainment businesses may keep extensive costume collections at declared commercial premises.

Can costumes be kept in self storage?▼

Suitable declared costumes, props, equipment and merchandise may be kept in a self-storage facility where the arrangement meets applicable policy requirements.

Can a costume character business use several storage locations?▼

Yes. Property may be divided between home, garages, outbuildings, commercial units, vehicles and self storage.

Can Business Goods and Stock in Self Storage be relevant?▼

It may be relevant where suitable business goods or merchandise are stored in a self-storage facility, subject to the policy terms and property involved.

Can Goods in Transit Insurance be relevant?▼

Goods in Transit may be relevant where declared costumes and equipment regularly move between storage locations and bookings.

Can performers transport costumes by car?▼

Yes. Solo performers may use cars to transport suitable business property.

Can character businesses use vans?▼

Larger businesses may use vans for several costumes, props and event equipment.

Is motor insurance included?▼

No. Business Contents and Goods in Transit do not replace appropriate motor insurance for the vehicle.

Are costumes automatically covered when left in a vehicle?▼

No. Unattended vehicle restrictions, overnight conditions, security requirements and other policy terms may apply.

Can costumes be left at event venues?▼

Some business property may temporarily remain at a venue. The location and responsibility for the property should be accurately represented.

What does Public Liability Insurance mean for a costume character performer?▼

Public Liability may respond to covered allegations of accidental injury or property damage involving third parties, subject to the activities declared, circumstances and policy terms.

Can Public Liability be relevant at children's parties?▼

Yes. Children, parents, family members and other guests may be third parties in relation to the entertainment business.

Can Public Liability be relevant to meet and greets?▼

Meet-and-greet appearances involve direct interaction with customers and may create third-party liability exposures.

Can Public Liability be relevant to walkabout entertainment?▼

Yes. Walkabout performers can interact with customers and other members of the public throughout a venue or event.

Can Public Liability be relevant at shopping centres?▼

Yes. Character performers may interact with customers and other members of the public throughout retail environments.

Can Public Liability be relevant at festivals?▼

Declared festival appearances may create third-party liability exposures involving visitors, event areas and business equipment.

Can Public Liability be relevant at sports venues?▼

Mascot appearances may involve supporters, visitors and event staff, subject to the declared activities and policy terms.

Can Public Liability be relevant in a customer's home?▼

Yes. Mobile performers may face third-party liability exposures while providing declared entertainment at private customer premises.

Can Public Liability be relevant to venue property?▼

A venue owner or event organiser may allege accidental property damage connected with the declared activities. Whether cover applies depends on the circumstances and policy wording.

Does a costume character business need Employers' Liability Insurance?▼

This depends on the workforce and applicable requirements. Performers, assistants, administrators and other employees should be accurately declared.

Are freelance character performers automatically employees?▼

No. Freelance and contractor arrangements can differ, so the actual working relationship should be represented accurately.

Can Professional Indemnity Insurance be relevant?▼

Professional Indemnity is not central to straightforward character performance but may be relevant where the business separately provides professional instruction, consultancy, training or specialist advice.

Can Commercial Property Insurance be relevant?▼

Commercial Property may be relevant where the business owns or has responsibility for offices, commercial units, studios or other business premises.

Can Business Interruption Insurance be relevant?▼

Business Interruption may be relevant where insured damage to important premises or insured business property materially disrupts bookings or commercial operations.

What information is useful for a Costume Character Insurance enquiry?▼

Explain the types of characters and mascot appearances provided, the audiences and venues involved, children's entertainment, walkabout work, employees and freelancers, additional activities, costumes, props, equipment, storage, transport, online bookings, merchandise and any event-organising or costume-hire activities.

How can I request a Costume Character Insurance quote?▼

Complete the Quote Monkey specialist referral enquiry with a clear description of the entertainment business. Quote Monkey can introduce suitable enquiries to a specialist broker who can consider the declared activities and insurance requirements.