The Hartford doesn’t offer insurance for actors online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Insurance for Actors?
Acting insurance is made up of different types of business insurance coverages designed to help protect you from the risks you face as you manage your acting business, perform on stage or work with production companies. Whether you’re coaching, managing talent or taking center stage, there are lots of things that can go wrong, like damaged costumes, an injured crew member or a lawsuit from a venue. An acting insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Commercial property insurance
- General liability insurance
Why Might You Need Insurance for Actors?
Insurance is more than a safety net — it’s a smart business move. Different types of coverage can help protect you from the behind-the-scenes disruptions that could derail your work and income.
Insurance can help protect you from potential risks, like:
- Property damage: You drop a prop during rehearsal and damage the theater floor.
- Equipment loss: Your costumes or gear are stolen from our trunk while at a gig.
- Business interruption: A burst pipe at your home studio shuts down voice-over recordings.
What Actor Insurance Coverages Do I Need?
When it comes to protecting your performance business, you’ll need coverage that matches your potential risks. Many actors have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your acting business from claims that it caused bodily injury or property damage to others. For instance, if you injure a fellow actor during a stunt sequence, this can help pay their medical bills.
Commercial property insurance helps protect the equipment, tools or supplies you use as an actor. These can include:
- Props
- Costumes
- Makeup
- Footwear
Business income insurance helps replace lost income if you can’t act temporarily because of covered property damage caused by fire, theft or wind.
How Much Does Insurance for Actors Cost?
Although The Hartford doesn’t offer coverage for actors, here are the average costs our small business customers pay for common types of coverage:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
Keep in mind that the cost of acting insurance varies because every performer faces unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific acting business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“Part of my show involves water, and an audience member slipped and hit her head on the stage. We had to call an ambulance to take her to the hospital.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Event Cancellation Insurance
“A surprise snowstorm shut down our venue. Our show was canceled and none of us got paid.”
Event cancellation insurance helps cover financial losses if a production or event you were hired for is cancelled, postponed or moved due to unforeseen circumstances.
Commercial Property Insurance
“I keep my props and supplies in a storage unit. Someone broke into it and stole everything.”
Commercial property insurance helps protect the supplies and tools you rely on as an actor.
Hired and Non-Owned Auto Insurance
“I was driving to a gig with my costume rack in the back when I got into a fender bender.”
Hired and non-owned auto (HNOA) insurance helps protect you on the road if you’re using a personal vehicle for work.
Get a Quote for Insurance for Actors
You’ve worked too hard to let a costly claim steal the spotlight. Get a quote today from Tivly.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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