The Hartford doesn’t offer Santa insurance 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 Santa Claus Insurance?
Santa insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face while performing as Santa at events. For example, if a child gets hurt during a photo session, the right type of insurance can help pay their medical bills. If your sleigh gets damaged, insurance coverage can help pay for repairs or an expedited replacement.
A Santa insurance package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Commercial property insurance
- Commercial auto insurance
Why Might You Need Santa Insurance?
Santa insurance is a collection of coverages designed to help protect your business from the unique risks you face. Without coverage, you’d have to pay out of pocket for costly claims.
Santa insurance can help protect your business from many potential risks, like:
- Equipment damage: Your Santa chair gets destroyed in transit to an event, and you have to find a new one fast.
- Employee injuries: One of your elves sprains an ankle while setting up a Christmas tree.
- Event cancellation: A major snowstorm delays a scheduled Santa event, affecting your revenue.
Who May Need Santa Insurance?
Spreading holiday magic can come with unique risks. Business insurance coverage can help protect many types of performers, including:
- Mall or retail store Santas
- Event or party Santas
- Parade Santas
- Self-employed Santas
What Santa Insurance Coverages Might I Need?
When it comes to protecting your Santa business, you’ll want protection that matches your potential risks. Many Santa performers start with a Business Owner’s Policy (BOP)
because of the peace of mind it can provide.
A BOP includes three types of coverage to help protect you from everyday risks you might face during the holiday season:
General liability insurance helps protect your Santa business from claims that it caused bodily injury or property damage to others.
General liability insurance helps protect your Santa business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented tools, supplies or equipment you use as Santa. These can include your:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness.
- Santa outfit
- Sleigh
- Furniture
- Props
- Microphone and speakers
Business income insurance helps replace your lost income if you can’t perform as Santa because of covered property damage.
It’s important to know that a BOP won’t cover every kind of claim you might face as Santa Claus. You’ll need to get other types of coverage to create a comprehensive insurance plan, including:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees uses a company-owned vehicle for work.
How Much Does Santa Insurance Cost?
Although The Hartford doesn’t offer coverage for Santa performers, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- 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
The cost of Santa insurance varies because everyone 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 Santa business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A kid slipped on the fake snow we put out for our photo sessions. Her parents sued us to pay for her medical costs.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“I was sued by a former employee for wrongful termination after I let them go for constantly showing up late.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my employees, who performs as an elf, was setting up the photo area when she fell and sprained her ankle. She had to go to physical therapy to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“I was late to a photo event, and the customer tried to sue me for breach of contract.”
Professional liability insurance helps protect your Santa business from claims that it made a mistake in the professional services given to a customer. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“Someone broke into my storage unit and vandalized the props I use for my Santa events. My decorations, costumes and props were all damaged.”
Commercial property insurance helps protect the costumes, props and supplies you use as Santa Claus.
Commercial Auto Insurance
“I have a van that I use as ‘Santa’s Sleigh.’ When I was delivering toys to the local hospital, I accidentally sideswiped another car.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get Holiday-Ready With Santa Insurance
You work hard to create the magic of the season, so don’t let unexpected risks spoil the holiday cheer. Get a quote for insurance through Tivly today.
Last Updated: April 30, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed April 2026.
4 NIOSH, "About Motor Vehicle Safety at Work,” viewed April 2026.
** 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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